Flood Insurance
Protect your home from rising water
Flood insurance is separate — and essential
Standard homeowners insurance does not cover flood damage. Whether you're in a high-risk flood zone or not, a separate flood policy is the only way to be protected when water rises.
We write flood policies through the National Flood Insurance Program (NFIP). We'll help you understand which option makes sense for your home.
Comprehensive flood protection
A flood policy covers what your standard homeowners policy can't. Don't wait for a forecast to find out you're underinsured.
- Dwelling Coverage
- Foundation & Structural
- Personal Contents
- Debris Removal
- Detached Structures
FAQ
Frequently Asked Questions
Do I need flood insurance if I'm not in a flood zone?
Yes, often. More than 20% of flood claims come from homes outside high-risk flood zones. Flash flooding, overwhelmed storm drains, and heavy spring rains regularly affect 'low-risk' Iowa neighborhoods. If your home can be reached by water, it can flood.
How long before my flood insurance takes effect?
Standard NFIP policies have a 30-day waiting period before coverage starts. This is why flood insurance has to be bought before a storm — you cannot wait for the forecast.
What does flood insurance actually cover?
An NFIP policy covers the physical structure of your home (up to $250,000) and its contents (up to $100,000) from rising water. It does NOT cover temporary living expenses or vehicles (those are covered by comprehensive auto).
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Local agents who understand Iowa flood risk