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Flooding is the most common and costly natural disaster in the United States, and it can occur almost anywhere.

Stay Protected with Flood Insurance

1st Direct Insurance Can Help!

Flood Education

More than 20% of claims occur in low to moderate risk areas. Approximately 80% of residents in the areas hit hardest by Hurricane Harvey in 2017 did not have flood insurance.

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Did you know?

Things You Should Know About Flood Insurance

Source: FEMA.gov,”NFIP: Things you should know about flood insurance”

People who live near water are not the only ones who experience flooding

Floods move, and can spread for miles. They can have strong currents that, in a few moments, can sweep away everything that took a lifetime to accumulate, leaving a thick residue of mud and debris behind.

It's not just high risk areas that are flooded

Between 20 and 25 percent of flood insurance claims come from a medium or low flood-risk areas. The fact is, a flood could happen to YOU.

Flood insurance is far better protection than depending on Federal disaster assistance, which is available only if a disaster is Federally declared

If you have a flood insurance policy, you can be reimbursed for all your covered losses, even if a disaster is not Federally declared. In contrast, Federal disaster assistance is often a loan —repayable in full — with interest!

With a flood insurance policy, all you pay is one annual premium

Then, if you suffer losses due to flooding, you will be reimbursed for your covered losses and never have to pay a nickel back.

Protect yourself, your family, your home, and your financial future

Waiting periods for policy effective dates may apply, connect with us to learn more. Protect your home and your family today.

Why Do I Need Flood Insurance?

Flooding is the most common and costly natural disaster in the United States, and it can occur almost anywhere — not just in high-risk areas. Below are some common questions and answers about flood insurance.

Doesn't my homeowners policy cover flood?

Homeowners insurance policies do not normally cover flood damage. You will need to purchase separate flood insurance to stay protected.

I'm at such a low risk, why buy it?

More than 20% of flood claims occur in low to moderate risk areas. If you are in a high risk area for flooding you have a 1 in 4 chance to experience flood damage over a 30 year mortgage.

But isn't flood insurance expensive?

The average cost of a flood policy is about $700 per year. That is less than $2 per day.

The government provides assistance if there is a flood so why would I need to buy insurance?

Federal disaster relief funds are only offered if the president declares a disaster — and less than half of floods are declared federal disasters. In cases when a disaster is declared, the typical federal disaster relief grant is about $5,000. Disaster relief funds are typically provided in the form of a low-interest loan that must be repaid.