Anywhere it rains, it can flood

Flood damage is not covered under standard homeowners insurance. If you live near a high-risk flood zone or are paying a mortgage and live in a high-risk flood area, you need flood insurance. 

If your property is not in a high-risk area, flood insurance is surprisingly affordable. Contact your agent for a quote or more information.

- Visit to learn more about what a flood is and what causes flooding around the nation. 

- Learn what to do Before The Flood and be prepared before you're in danger. 

- Know what's covered, what it costs, and make sure you are protected. 

RESOURCES is the official website of the National Flood Insurance Program (NFIP). The NFIP provides affordable insurance to property owners, renters, and businesses by encouraging communities to adopt and enforce floodplain management regulations.  Find out if you're at risk, get tips and resources, and learn where to buy flood insurance and what to ask your insurance agent. 

Mitigation - You're not helpless and there are options. Flood vents, break-away walls and elevating your home can reduce your insurance costs and your risks. - Find your local or State Floodplain Manager and helpful resources.The Association of State Floodplain Managers (ASFPM) is the world's leading voice for sound floodplain management, science and policy.

The Community Rating System (CRS)  that can reduce flood insurance premiums by 5 to 45 percent in communities that participate. Contact your local Floodplain Manager of Elected Officials to see if your community is involved or the feasibility of getting started. You can also contact us if you have any questions. (Link via

Download this brochure from FEMA to learn about the top five ways to lower your flood insurance rates. 

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