Why Flood Insurance?

Did you know that just one inch of water in a home can cause over $25,000 in damage? 

Most people don’t have that kind of money set aside for a flood emergency, and that’s where flood insurance steps in. 

The best time to buy flood insurance is before you actually need it. Most policies take up to 30 days to go into effect.

Flood in Virginia

Who needs flood insurance?

Flooding can happen anywhere and anytime it rains within or outside of the high-risk zones. Low-risk flood zone does not mean no risk. Over 25% of flood insurance claims come from outside the high-risk areas.

Homeowners insurance does not cover flood.

If you are purchasing a home in a high-risk flood area and have a government backed loan, your lender will require flood insurance. The Federal Emergency Management Agency (FEMA) recommends flood insurance for the medium and low-risk areas as well.

How Does It Work?

What are my next steps?

If you are purchasing a home, you can also count on us for homeowners insurance and title & escrow.  


This is incorrect. Homeowners insurance does not cover flood. Flood requires a separate policy. 

FEMA recommends flood insurance for all flood zones – high, medium and low-risk. Low-risk does not equal no risk.

No, you do not have to own a home. Renters can purchase flood insurance to protect their possessions and commercial property owners can purchase flood insurance to protect their business’s structure and contents.

First, find a safe location for you, your family and your pets. Then take photos or videos of the damage. Submit a claim as soon as you are able to.

A flood elevation certificate is a document that shows the location of the building, lowest floor elevation as compared to base flood elevation (BFE), building characteristics and flood zone.

Contact our Flood Team

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