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 why 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. Select Georgia from the drop down menu. 

Click here for a list of property and casualty insurance companies that can write and service the NFIP Standard Flood Insurance Polity (SFIP) 


Risk Rating 2.0

The NFIP's new rating methodology reflects a property's unique flood risk and is easy to understand. It is structure specific and provides individualized transparent method of calculating rates by incorporating additional risk variables such as flood frequency, flood types, distance to water source and property characteristics like elevation and the cost to build. Click here for more information.


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