Protect Your Home & Business with Comprehensive Flood Insurance Solutions

Yes, 1st Direct Insurance is an independent insurance agency. This means we’re not tied to one carrier—we work with many trusted insurance companies to offer you competitive rates and customized coverage. Our independence allows us to provide tailored solutions that best meet your needs. We operate across all 50 states and Washington, D.C., ensuring you get the best possible quotes and coverage options.

Flood insurance protects your home or business from damage caused by flooding, something that is not covered under standard homeowners or commercial property insurance. If you live in a high-risk area or want peace of mind during extreme weather events, flood insurance is essential.

You can get a fast, free quote by calling us directly or using our online quote request form. Our licensed agents will work with multiple top-rated carriers to find the best rate and coverage for your needs. We provide detailed flood risk assessments to ensure you receive the most accurate and comprehensive quote possible.

The National Flood Insurance Program (NFIP) is government-backed and offers standard coverage limits and pricing. Private flood insurance, on the other hand, may offer higher limits, faster claims processing, and broader protection. At 1st Direct Insurance, we’ll help you choose the best fit for your property and budget, ensuring you get the most comprehensive coverage available. We work with both NFIP and top private flood insurance carriers to find the best coverage at the best price for your needs.

Flood insurance costs depend on factors like your location, flood zone, coverage limits, and whether the property is residential or commercial. Contact us for a custom quote.

Flood insurance typically covers: Structural damage to your home or building, electrical and plumbing systems, furnaces, water heaters, and major appliances, foundation and crawlspaces, and personal property (with contents coverage). Coverage limits vary, and certain exclusions may apply. Our team will walk you through all the details to ensure you have the right coverage for your needs.

You can check your flood zone by using FEMA’s Flood Map Service Center or by contacting us. Our agents can help you determine your flood risk and what type of coverage you may need. We also monitor flood map changes to keep you informed about any updates that may affect your coverage.