Skip to content Accessibility info

Flood Insurance

from Woodard Insurance

Flood Insurance

Homeownership brings a sense of security and pride, yet it also carries responsibilities, and safeguarding your investment is paramount.

While standard homeowners insurance provides coverage for many perils, it's important to recognize that flood damage is often excluded. This is where flood insurance steps in, offering a vital layer of protection for homeowners.

The Significance of Flood Insurance

Floods are among the most common and destructive natural disasters in the United States, and they can happen anywhere.

Floods can result from heavy rains, snowmelt, hurricanes, or even man-made factors like dam failures.

The consequences of flooding are severe, leading to property damage, destruction of personal belongings, and emotional distress.

Without proper flood insurance, homeowners can face financial devastation.

Customized Flood Insurance

While the NFIP provides valuable coverage, it's important to note that flood insurance needs can vary based on individual circumstances.

Some homeowners may opt for excess flood insurance to supplement their NFIP policy, providing higher coverage limits.

National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), plays a pivotal role in providing flood insurance coverage to homeowners.

This program offers federally backed flood insurance policies, making it the primary source of flood insurance for many Americans. Here's what you need to know:

Mandatory Requirements: If you live in a high-risk flood zone and have a federally backed mortgage, your lender may require you to purchase flood insurance through the NFIP. However, even if you don't reside in a high-risk area, it's wise to consider flood insurance due to the unpredictability of weather patterns and climate change.

Comprehensive Coverage: NFIP policies offer comprehensive coverage for both your dwelling and personal belongings. This ensures that the structure of your home and the contents within are protected from flood-related damage.

Affordable Premiums: The NFIP strives to make flood insurance accessible to homeowners by offering reasonable premiums, especially in low-to-moderate risk areas.

30-Day Waiting Period: It's essential to plan ahead when purchasing flood insurance through the NFIP. There's typically a 30-day waiting period from the date of purchase before your policy takes effect.


Claims Help

If you need to file a claim, we're here to help. See our service page for more.

Policy Changes

Fill out our service form to request any insurance policy changes you need.

Get In Touch

If you'd like to get a quote or have insurance questions, please contact us.

Quick Quote

Fill out the form below to request a quote for flood insurance.

Your request will be sent securely

We respect your privacy. Your info will be sent securely and handled with care. View privacy policy.

Claims Help

If you need to file a claim, we're here to help. See our service page for more.

Policy Changes

Fill out our service form to request any insurance policy changes you need.

Get In Touch

If you'd like to get a quote or have insurance questions, please contact us.