Flood Insurance
Flood insurance basics
Flood insurance covers direct physical losses to your structure and belongings caused by floods. For insurance purposes, a flood is defined as ‘a general and temporary condition of partial or complete inundation of 2 or more acres or two or more properties.’ Flood coverage can be purchased either as a standalone policy or as an endorsement to your homeowners coverage
Did you know? If your home is located outside of an “X” flood zone, your mortgage provider may require you to purchase this coverage. However, even if your home is located in the “low risk” X flood zone, you may want to consider this coverage as 30% of all flood damage is reported in X zones.
Flood insurance resources
Know your zone
Search for your property in FEMA’s database to find your flood zone.
Stay safe
Learn what you can do to stay safe during a flood at the US government’s Ready.gov page.
Understand your exposure
Use the NFIP’s online tool to estimate potential flood damages.
Why use Fudge for flood insurance?
The team at Fudge Insurance has written flood insurance since we started in 2006. We have access to the markets you need to get flood coverage you need at the right price.
