Flood Insurance

What is Flooding?

Flooding is a temporary overflow of water onto land areas that are normally dry. It is a common natural disaster in the United States that can result from different sources such as storms, ice melt/snowmelt, dam or levees breaking and increased development in an area leading to more impervious areas being created and increased runoff.


Am I required to have Flood Insurance?

It is mandatory that you have flood insurance if

1.    Your home and/or business is in high-risk flood areas with mortgages from federally regulated or insured lenders.

2.    You live in a high-risk flood zone and

a.    Received federal disaster assistance (grants) from FEMA

b.    Received low-interest disaster loans  from the U.S. Small Business Administration (SBA) following a Presidential Disaster Declaration

Whether you are required to have flood insurance or not, protect yourself against risk.


Why should I buy Flood Insurance?

No home is completely without the risk of potential flooding hence, having a flood insurance can be the saving grace when flood happens. Flooding can make you go bankrupt: Just an inch of water can cause severe damage to your property or critically dependent equipment in your house. Why not protect yourself (life and property) against this risk?  Click here for FEMA’s  National Flood Insurance Program Floodsmart.gov website for more information on you need to buy flood insurance. 


What is Covered by My Flood Insurance?

Contents are not covered by a building/structure flood insurance policy. Building coverage covers only the structure, but not the contents inside the property. You need to talk to your licensed insurance agent to know  what is and is not covered by your policy. Follow this link for more information. 


Where can I get a licensed Insurance Agent?

Click here for a list of local independent flood insurance agents 


Click here for a list of all registered Property and Casualty insurers in Georgia. Select Property and Casualty Insurer from the drop-down menu for Company Type and click on search.

Click here for a list of Write Your Own Flood Insurance Companies participating in the Mortgage Portfolio Protection Program (MPPP) 


Why should I renew my Flood Insurance?

You may have lived in your house for many years without experiencing a flooding but, it does not me you never will. Flood is a natural disaster that can happen to anyone, anytime and anywhere. Continuous coverage gives you the following

·         uninterrupted protection

·         save you money

·         continued eligibility for discounted rate

·         protection of your investment

Click here for more information