Many homeowners underestimate their flood risk, leaving millions uninsured or underinsured in the face of a rising tide of flood events. A 2025 study from the Federal Reserve Bank of Philadelphia found 70% of annual flood losses remain uninsured, amounting to $17.1 billion in financial exposure each year. (Source: Claims Journal)

🏠 Why Flood Insurance Matters

Whether you own, rent, or invest, protecting your property isn’t just wise—it’s essential. Flood Insurance offers vital coverage not covered under your residential home insurance, whether it’s:

• A single-family home where you reside
• A townhome or condo
• A vacation getaway, secondary home or investment property

No matter how frequently the property is used or who occupies it, there’s typically an insurance policy designed to safeguard your financial stability and peace of mind. These policies commonly provide coverage for:

• Main Dwelling – Protects the home’s physical structure against damage
• Personal Property – Covers belongings inside the home, from furniture to electronics
• Additional Living Expenses – Private Flood insurance markets may also offer coverage when your residence is unlivable due to a covered flood event

GET YOUR FLOOD INSURANCE QUOTE HERE