Flood Insurance

Losses resulting from flooding can occur in any location, not solely within areas officially designated as flood zones. Standard property insurance policies—whether for homeowners, renters, condominium owners, or businesses—do not typically include coverage for flood-related damages. To obtain this protection, it is necessary to purchase a dedicated flood insurance policy.

Selecting an insurance agent with expertise in flood insurance is crucial to ensuring comprehensive coverage and securing the most competitive rates. Obtaining an elevation certificate can enhance your options; flood insurance premiums are determined by two primary factors: the flood zone classification of the property according to current maps, and the elevation of the building relative to the base flood elevation in your area. A licensed land surveyor establishes these details, which are essential for identifying the most appropriate premium.

Flood insurance is available through the FEMA program via numerous insurers and agencies, and select private companies also offer coverage options. At Foley Insurance Agency, our extensive experience in providing flood insurance enables us to guide clients effectively through the selection process. Please contact us for assistance with evaluating the best flood insurance solutions for your needs.