When most people think of a flood, they might recall events like Hurricane Katrina or Sandy - major storms that caused extensive damage.
However, flooding isn’t always caused by catastrophic storms. Even a few inches of standing water can lead to significant damage, often costing tens of thousands of dollars. Every home in the U.S. falls within a FEMA-designated flood zone, though some areas are at higher risk than others.
Mason-McBride can help you explore your options and find a policy that aligns with your needs.
Why Consider Flood Insurance?
Many homeowners are unaware that standard homeowners insurance does not cover flood damage. Here are three critical reasons to consider flood insurance:
- Flooding is the most common natural disaster in the United States.
- Homeowners insurance does not cover flood-related damage.
- Federal disaster assistance can be limited.
Because standard homeowners insurance generally excludes this type of damage, a separate flood policy can address exposures related to heavy rainfall, storm surge, snowmelt, or rapid water accumulation.
What Flood Insurance May Cover
A flood insurance policy typically includes two main components:
- Building Coverage — Applies to the structure of the home or building, including foundation, electrical and plumbing systems, appliances, and built-in fixtures.
- Contents Coverage — Applies to personal belongings such as furniture, clothing, and certain portable appliances, up to the selected limit.
Coverage terms, limits, and waiting periods vary between NFIP and private insurers.
Get a Flood Insurance Quote
Property owners, landlords, and renters can request a flood insurance quote or policy review using the form below.
Proposal Request Form
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