Flood Insurance for Homeowners Who Know Water Doesn't Follow the Rules.
Flooding is the most common and costly natural disaster in the United States — and it is not covered by a standard homeowners insurance policy. Flood insurance is a separate policy generally designed to help protect your home and belongings from rising water. Saint Moore Insurance Agency helps homeowners find NFIP and private flood coverage that fits their flood zone and their needs.
What Is Flood Insurance?
Flood insurance is a standalone policy that helps cover damage to your home and personal property caused by flooding — which standard homeowners insurance explicitly excludes. Whether you live in a designated high-risk flood zone or a lower-risk area, flood damage can happen anywhere it rains, and the financial consequences of an uninsured flood loss can be severe.
There are two main sources of flood insurance coverage for homeowners. The National Flood Insurance Program (NFIP) is a federally managed program administered through FEMA that provides flood coverage for homeowners, renters, and businesses in participating communities. An NFIP flood policy typically covers the structure of your home and, separately, your personal contents up to program limits. Private flood insurance is also available and may offer higher coverage limits, broader terms, or faster claims processing than the NFIP — making it worth comparing both options.
Flood zone insurance requirements vary by location. Homeowners in high-risk flood zones with a federally backed mortgage are typically required to carry flood coverage. But flood damage is not limited to high-risk zones — a significant percentage of flood claims come from properties outside designated flood areas. If you're unsure whether your property needs flood coverage or what flood zone you're in, a Saint Moore Insurance Agency agent can help you evaluate your options and find the right policy.
