Residential flood insurance is designed to protect homes and personal property from the financial impact of flooding. Coverage can include the structure of the home, detached structures, and personal belongings, depending on the policy and your property’s specific needs.
Flood risk is determined largely by your property’s flood zone, as defined by FEMA. Common zones include:
- High-Risk Areas (Special Flood Hazard Areas / SFHAs): Properties with a higher likelihood of flooding. Mortgage lenders often require flood insurance in these zones.
- Moderate-to-Low Risk Areas: Properties with lower flood risk, but still eligible for protection. Flood insurance is optional but recommended.
- Undetermined Risk Areas: Locations where flood risk hasn’t been fully assessed — coverage can still be obtained.
Other factors that impact coverage and premiums include:
- Building elevation: Higher-elevated homes may qualify for lower rates.
- Construction type: Materials, foundation type, and age of the home.
- Contents coverage: The value of personal belongings you wish to protect.
- Previous flood claims: Past claims may affect eligibility and rates.
At Secure Flood Solutions, we tailor residential policies to your property’s unique characteristics, ensuring you get the coverage you need—whether you’re in a high-risk zone or a lower-risk area. Our goal is to provide peace of mind by protecting your home, family, and possessions from unexpected flood events.