Flood Insurance


Flooding ranks as the costliest and most common natural disaster in the US, occurring in all 50 states, according to FEMA (Federal Emergency Management Agency). However, few people insure themselves against the risk, even in areas where the chances are high that they will occur. In Brunswick, Georgia and elsewhere, we have seen unusually severe weather resulting in floods and water damage. Many homeowners are not even aware that their insurance policies excluded this coverage. Most homeowners, tenants, and business policies do not cover flood damage, so it’s important to ask your agent whether or not you have flood coverage.

What is a flood?

A flood is defined as a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow (at least one of which is the policyholder’s property). Flood zones determine your flood risk based on history, rainfall, river flow, and tidal-surge data, topography, flood-control measures and changes due to building and development.

Sewer backup and sump pump failure coverage caused by backup through sewer and drains are available on most homeowner policies; water backup is not to be confused with flood insurance.


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Please note coverage cannot be bound or altered via this website.

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