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Flood Insurance


Flood Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Flood Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Flood Insurance Information

We Provide NFIP Flood Insurance

Floods in your home are often catastrophic events. We’ll help you get flood insurance that can protect you from multiple types of water damage.

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What is Flood Insurance?

Standard homeowners insurance alone usually will not cover damage from flooding. Still, the costs of property damage and personal losses could prove devastating should an accident strike. FEMA estimates that just one inch of water in a home could cause an average of $27,000 in damage.

If you need help picking up the pieces after these events, flood insurance can extend to common losses caused by water entering the home. It might be your only line of protection in case a flood occurs.

What types of floods do policies cover?

Flood insurance applies to flooding caused by weather-related events. Covered perils often include:

  • Storm surge
  • River swells
  • Flash flooding
  • Mudflows (but not mudslides)*

*Mudflows are rapid movements of heavily-saturated earth and debris caused by an influx of water into the local environment. On the other hand, mudslides, also called landslides, are earth movements. They don’t necessarily have any connection to floods.

How do I get covered?

Most people get flood insurance through the federal government’s National Flood Insurance Program (NFIP). It was created explicitly to insure flood damage risks, which many insurers previously considered uninsurable. There are private flood insurance options on the market, but these are not as common as NFIP policies. Let your Pan American Insurance agent help you determine your policy choices.

What costs will my flood insurance pay?

NFIP policies will always offer structure insurance. Policyholders also have the option to add contents insurance to the policy.

Flooded home

Structure coverage can pay for damage to the house itself up to a limit of $250,000. It might cover:

  • Structural repairs to the home, including foundation walls and anchorage systems
  • Essential appliances and internal systems
  • Permanently-installed furnishings like cabinets or carpet
  • Detached garages
  • Debris removal
  • Mold removal, as long as you can prove that the flooding caused the mold development

Contents insurance provides up to $100,000 for personal belongings in the home, such as:

  • Clothing
  • Furniture
  • Electronics
  • Portable appliances (like washers and dryers)
  • Food and freezers
  • Valuables like art or antiques (up to $2,500 per item)

Those with high-value properties might be able to get excess flood insurance. However, you must have an NFIP policy first.

Do I have to buy coverage?

The NFIP and mortgage lenders set rules on which homeowners must get flood insurance. Usually, those who live in defined flood zones (which have the highest risks of flooding) must get covered. Lenders also might require coverage for those in lower-risk zones, also.

Does my homeowners insurance cover any type of water damage?

Your homeowners insurance isn’t totally worthless when it comes to insuring water damage. If flooding occurs that is not related to weather, your policy might pay. For example, water damage from sewer backups or burst pipes can often have coverage on your policy. Please note, however, that you might need to add riders or endorsements to your homeowners policy to achieve this coverage.

Don’t put yourself at-risk of going uninsured in the face of flooding risks. Instead, call one of our flood insurance agents at (833) 775-2355. We can help you get covered!