Flood Insurance
Flood coverage, in or out of the zone.
Residential, commercial, and excess flood policies placed with NFIP and private-market carriers — for Gulf Coast properties whether or not you're in a high-risk flood zone.
Get a flood quote
Why add flood
Homeowners policies don't cover flooding.
Add coverage through the NFIP or a private-market carrier — Limits as high as $10,000,000.
Not just rising rivers.
Flood insurance covers storm surge, inland runoff, and mudflow — perils that homeowners and wind policies both exclude. It's the only policy that responds when water comes in from outside.
One inch can run ~$25,000 in damage.
FEMA's estimate for a single inch of floodwater in a 1,000 sq ft home. Gulf Coast claims run larger once structural, electrical, and HVAC damage get totaled on top.
Over 25% of claims are outside high-risk zones.
Heavy rain and overwhelmed drainage don't check FEMA maps. Roughly a quarter of NFIP claims come from properties officially zoned X — preferred risk.
Coverage can't be bought during a storm.
NFIP policies carry a 30-day waiting period before coverage starts. Private carriers like Neptune can be as short as 7 days. Either way, binding closes once a flood warning is issued — the time to buy is before the cone.
Coverage products
Available coverage types.
Flood coverage for homeowners, unit owners, condo boards, commercial owners, and high-value properties — with options standard policies don't include.
Residential flood
NFIP or private market
Flood protection for single-family homes, condos, townhouses, and rentals. Placed through NFIP for lender compliance or private markets for broader terms.
- NFIP and private-market options
- Building and contents coverage
- Coverage in and out of flood zones
- Rated by zone, elevation, and construction type
Commercial flood
Business and investment real estate
Flood coverage for business properties, apartment buildings, hotels, retail, and investment real estate — with higher limits than residential forms allow.
- Higher coverage limits for non-residential risks
- Business interruption available on private forms
- Coverage for inventory, equipment, and improvements
- Multi-location scheduling across a portfolio
Condo association
RCBAP — HOA / board placement
The NFIP's building-wide policy for residential condo associations — placed by the HOA or property manager to cover the entire structure.
- Covers walls, roof, foundation, and common areas
- Limits aggregate at $250K × number of residential units
- Often required by federally-backed mortgages in high-risk zones
- Unit owners typically add HO-6 contents flood separately
Excess flood
Above NFIP limits
Additional flood limits that sit on top of a primary NFIP or private flood policy — for properties with replacement value above the NFIP $250K building cap.
- Coverage above NFIP maximums
- Common on high-value coastal and luxury properties
- Additional contents limits available
- Works with existing NFIP or private primary flood
Not sure which product fits? Talk to an advisor
Inside the policy
What's in it?
Building property
Coverage A
The structure itself — foundation, walls, roof, built-in cabinets — plus permanent systems like HVAC, electrical, and plumbing. NFIP caps at $250K for residential; private goes higher.
- Structure, foundation, and attached additions
- Built-in appliances, HVAC, electrical, plumbing
- Detached garage up to 10% of Coverage A on NFIP
Personal property
Coverage B
Contents inside the building — furniture, clothing, portable electronics. Purchased separately on NFIP (up to $100K) with tighter categories; private flood may offer replacement cost.
- Furniture, clothing, and portable electronics
- Washer, dryer, and limited food-loss coverage
- Basement contents limited on NFIP; broader on private
Increased cost of compliance
Coverage D
Up to $30,000 toward elevating, demolishing, or flood-proofing a building declared substantially damaged — paid on top of the Coverage A limit. Required NFIP coverage.
- Included on every NFIP Dwelling Form policy
- Triggered by a community substantial-damage declaration
- Pays toward elevation, relocation, or flood-proofing
Need more than the base policy? See common endorsements
Coverage descriptions on this page are general summaries of standard NFIP Dwelling Form provisions and common private-flood terms. Actual coverage, limits, and exclusions are determined solely by the policy form, endorsements, and declarations issued by the carrier. This is not a contract or an offer of insurance.
Optional coverage
Customize your policy.
Add-on coverage for exposures the base NFIP form doesn't include — most are private-flood only.
Basement coverage
Enhanced coverage for below-grade areas — private flood only, since NFIP limits basement contents.
Replacement cost on contents
No depreciation on personal property at claims time. Available with some private carriers.
Additional living expenses
Temporary housing and loss-of-use coverage during repairs. Private flood only — NFIP does not offer it.
Debris removal
Coverage for debris clean-up after a covered loss, typically a sublimit above the building coverage amount.
Ordinance & law
Pays the added cost to rebuild to current code when a covered loss triggers code-required upgrades.
Pool & spa
Outdoor structures typically excluded from the base flood form — available on select private policies.
Quote prep
What you'll need.
Have this ready and most quotes come back within one business day.
Property information
- Property address
- Year built
- Number of floors
- Foundation type
- Building square footage
Flood zone information
- Flood zone designation
- Elevation certificate (if available)
- Previous flood claims
- Current flood coverage
Coverage preferences
- Desired building coverage amount
- Desired contents coverage amount
- Deductible preferences
- Additional coverages needed
Prior policy information
- Current flood policy details
- Policy expiration date
- Claims history
- Annual premium
Get a quote
Compare carriers. No obligation.
Or call (504) 315-4536
Round out your coverage
Flood is one layer. Here's the rest.
Most Gulf Coast homeowners need more than a flood policy. Here's what we typically place alongside it — your advisor will check for multi-policy discounts when they bind.
Most paired with flood
Homeowners Insurance
Flood handles rising water. Homeowners handles wind, fire, theft, and liability. Gulf Coast properties typically carry both — we place them together under one advisor.
Commercial Property
Building, contents, and business interruption for commercial real estate — paired with commercial flood where the exposure warrants.
ExplorePersonal Umbrella
Excess liability above your home and auto limits. Critical if you have meaningful assets to protect.
ExploreAuto Insurance
Liability, collision, and comprehensive. Often unlocks multi-policy savings when bundled with home or umbrella.
ExploreWant it all under one advisor? Call (504) 315-4536 and we'll quote it together.
Get in touch
Multiple ways to connect.
FAQ
Frequently asked questions.
Answers to the questions Gulf Coast property owners ask us most often about flood.
Still have questions?
Call (504) 315-4536Ready to compare?
Get a flood quote from NFIP and private-market carriers writing on the Gulf Coast.
NFIP coverage typically starts 30 days after purchase. Private-carrier waiting periods vary by carrier and risk — Neptune runs as short as 7 days on qualifying policies. Loan-close and map-revision exceptions apply.
Need to file a claim?
Here to help you through the claims process.
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