Flood Insurance

We represent multiple companies to find the best flood insuranceĀ  for your needs.

Carriers vary by location.

What is Flood Insurance?

Flood insurance is a specific type of insurance policy that provides coverage for property owners who experience damage or loss caused by flooding.

Homeowner’s insurance typically does not cover damage caused by flooding, so it is important for property owners who live in areas at risk of flooding to consider purchasing flood insurance.

Flood insurance policies typically cover damage to the structure of the property and its contents, including furniture, appliances, and personal belongings.

Coverage limits and premiums for flood insurance policies can vary depending on the risk level of the property and the policyholder’s location.

Blue Paddle Insurance Agency offers flood insurance through National Flood Insurance Program (NFIP) and private insurance companies through-out the US.

What does flood Insurance cover?

Flood insurance typically covers damage to a building and its foundation, electrical, plumbing, and HVAC systems, as well as appliances and personal belongings. The coverage extends to carpets, food freezers, window blinds, and valuables such as art and jewelry up to certain limits.

However, the policy does not cover exterior property like trees and plants, swimming pools and hot tubs, and currency and precious documents. Additionally, damages caused by sewer backups are not covered under a standard flood policy.

Flood insurance policies are categorized into two types- building property coverage and personal contents coverage, but policyholders can choose to buy one or both types of coverage.

It is important to note that individuals residing in high-risk flood zones are required to purchase flood insurance, while those in low or moderate-risk areas can also opt for it at reasonable rates.


To run a flood quote, the following information may be required:

1. Property Location: The location of the property is crucial because it helps determine the level of flood risk in the area.

2. Property Details: It includes details like the type of property, age of the property, and the number of occupants.

3. Elevation Information: Elevation information is necessary to determine the height of the property above sea level.

4. Flood History: If the property has a history of flooding, it may directly impact the level of risk and the cost of the flood insurance policy.

5. Financial Coverage: The amount of coverage that the property owner wants to purchase is vital.

6. Deductible Amount: A deductible is an amount that the policyholder will pay before the policy’s coverage takes effect. Discussing the deductible amount with the property owner helps to determine the cost of the policy.

Having all of this information available will help us at Blue Paddle Insurance Agency, LLC to accurately provide a flood insurance policy premium.

The NFIP is a federal program created by Congress to mitigate future flood losses across the country. The program enacts and enforces floodplain management regulations and provides access to government-backed flood insurance policies for property owners
and renters.

The NFIP floodplain management regulations keep residents safer, minimize property damage and help build resilient communities.

According to the Insurance Information Institute, FEMA estimates that buildings constructed to NFIP standards suffer about 80% less damage annually than those not
built in compliance.

By employing wise floodplain management strategies, communities can protect against much of the devastating financial losses resulting from flood disasters.

You can search your address using this link. FEMA Flood Map Service Center

The amount of flood insurance you need depends on several factors, including the value of your home, the contents of your home, and the flood risk in your area.

The Federal Emergency Management Agency (FEMA) recommends that homeowners obtain enough flood insurance to cover the cost of rebuilding their home and replacing all of their personal belongings.

The National Flood Insurance Program (NFIP). NFIP policies offer coverage for up to $250,000 for the structure of the home and up to $100,000 for personal belongings. If you need more coverage than this, you may be able to purchase excess flood insurance from a private insurer.

It is important to note that, while flood insurance is not required for all homeowners, many mortgage lenders require it for homes in high-risk flood zones.

Let Blue Paddle Insurance Agency, LLC help you evaluate your flood risk and help you with purchasing flood insurance to protect your home and belongings.