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Flood Insurance

Members Insurance Advisors

Except for fires, floods are the most common and widespread of all natural disasters. Most communities in the United States experience some degree of flooding after spring rains, heavy thunderstorms, hurricanes, or winter snow thaws.

Your basic Homeowners Insurance doesn't protect you against damage from floods. In the case of the most severe floods, assistance is available; however, it's usually in the form of loans through the Federal Emergency Management Assistance (FEMA) program. And that's only after the federal government has declared the site a disaster. Those loans must be repaid on top of your existing mortgage, and you will be required to carry flood insurance. Can you afford to be without Flood Insurance? The answer is for most is "no." Fortunately you can purchase coverage that is financially backed by the National Flood Insurance Program (NFIP).

If you'd like a quote for flood insurance, please click here.

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