Flood Insurance for Homeowners

1st Direct Insurance is a national insurance agency and we work with the NFIP and top private flood insurance carriers to find the best coverage for the best price.

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We Identify Your Risk

We Find the Right Policy

We Are Here for Every Step

Everyone’s home and flood risks are different. We specialize in finding the flood protection that fits your needs, your budget and your lender requirements.

Our Service Doesn't Stop When You Purchase a Policy

We are with you every step of the way from purchase to claim completion. We are The Flood Authority so you don’t have to be.

Why You Need Flood Insurance

Where it rains, it can flood. Flood insurance is key in protecting your home from the most common natural disaster. Most homeowners insurance does not cover flood damage and considering 1 inch of water in your home can cost up to $25,000 it’s important to stay protected.

All Flood Zones Have Risk

If you are in a high-risk area you have a 1 in 4 chance of having flood damage during your 30 year mortgage. Not in a high-risk area? Rain doesn’t know where the flood zones are. About 1/3 of all flood damage occurs to properties in low to moderate-risk zones. It is estimated that 70% of losses from Hurricane Harvey were outside of the mandatory flood coverage purchase areas, meaning they were not in high-risk areas.

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Don’t Wait Until You See a Storm Coming

Most flood insurance polices have a waiting period so if you see a storm on the horizon it may be too late to protect your home from the upcoming threat. Make sure you are covered before disaster strikes.