06/16/2026
🌊 Did You Know? Most homeowners insurance policies do not cover flood damage.
Flood insurance is a separate policy designed to protect your home and belongings from damage caused by rising water. Even if your property isn't located in a designated flood zone, flood coverage is worth considering. In recent years, many devastating flood events have occurred in areas that were previously considered low-risk.
Another important thing to know: flood insurance typically has a waiting period before coverage becomes effective—often between 10 and 30 days, depending on the carrier. That means you can't wait until a storm is headed your way to purchase coverage.
The good news? Flood insurance can be surprisingly affordable, with rates starting as low as $250 per year.
Don't wait until it's too late—let's talk about whether flood coverage is right for your home! 💙