Flood Insurance

A flood is a natural disaster characterized by an overflow of water onto normally dry land. Floods can result from heavy rainfall, melting snow, storm surges, or the overflow of rivers, lakes, or coastal waters. Floods can cause significant damage to homes, businesses, infrastructure, and the environment, posing serious risks to lives and property.

Flood insurance is a specialized type of insurance coverage designed to protect property owners against the financial losses caused by flooding. Standard homeowners insurance policies typically do not cover flood damage, making flood insurance essential for those living in flood-prone areas or regions susceptible to extreme weather events. Flood insurance policies can provide coverage for structural damage to buildings, as well as for the contents within them. By obtaining flood insurance, property owners can better safeguard their investments and mitigate the financial impact of flood-related disasters.