Flood Insurance
Protect your home from rising water
Flood insurance is separate — and essential
Standard homeowners insurance does not cover flood damage — a hard lesson for many Virginia homeowners after a storm. Whether you're near the water in Newport News or inland where flash flooding catches people off guard, a separate flood policy is the only way to be protected when water rises.
We write flood coverage through the National Flood Insurance Program (NFIP), with private flood options available for homes that need higher limits. We'll help you understand which 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 coastal storm surge regularly affect "low-risk" areas across Virginia. 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 is named — you cannot wait for the forecast. Private flood policies sometimes have shorter waits.
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, landscaping, or vehicles (those are covered by comprehensive auto). Private flood policies can cover higher limits and additional living expenses.
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Tell us about you — we'll take it from there.
Local agents who understand Virginia flood risk