Flood Insurance

Let’s be sure you can recover from any storm that leaves you under water.

Connect With a Broker

When the water rises, will your home be protected?

According to the U.S. Federal Emergency Management Agency (FEMA), 90% of natural disasters that occur nationwide involve flooding.

Even if you don’t live in a flood-prone region, you could be at risk. Flash floods can occur due to unusually heavy rainfall in low-lying areas or where nearby construction or real estate development has altered an area’s natural drainage.

And if flooding occurs, you’re probably not covered for it. Standard homeowner’s insurance policies specifically exclude flood damage, which means you could be out of pocket for the $30,000 or more it might cost to clean up or rebuild afterwards.

That’s why flood insurance is essential for homeowners across North America.

More detail

Coverage that meets your needs

Navigating the market for flood insurance can be difficult. The market is complex, for one thing. There could be a 30-day waiting period before your policy goes into effect, for example, and that could have dire consequences for you if a flood occurs shortly after you purchase your coverage.

That’s why it’s important to work with an insurance professional who knows the market and can assess your specific needs, so you can make the right policy choices based on location, limits and other factors.

Your HUB personal insurance broker can advise you regarding flood insurance options available to you, including:

Water damage loss
Excess flood coverage
Coverage for backup of sewers and drains

Contact a HUB broker to get started.

First Name
Last Name
Email
Company
Phone
Zip Code

Make sure that you're protected in case Mother Nature decides to come your way.

Floods are the most common natural disaster. No matter where you live, you should strongly consider a flood policy!

Check out our video and read about how HUB helped a client recover from Hurricane Harvey.

Flood Insurance Information

Did you know:

Flood damage resulting from surface water, including surges caused by storms, swollen rivers or torrential rainfall is not typically covered in a standard homeowners insurance policy
It's not necessary for a property to be in a "flood zone" to experience a flood; 25% of all flood claims occur in moderate- to low- risk areas
There is usually a 30 day waiting period before a flood policy goes into effect

Be Ready

You've heard the stories of so many people financially impacted by not having flood insurance to help repair their dwelling and replace their personal property. No matter if you have a modestly finished basement, a fully equipped in-home theater, an expensive wine collection or even an indoor basketball court, as your risk advisor, we encourage you to purchase a flood policy now, before any loss occurs.

Be Ready With Flood Insurance

Choose Hub Flood Insurance

Flood Resource Center

Make the right decision for you and your family. Flood insurance, underwritten by the National Flood Insurance Program, premiums may be significantly less than you think. Call a HUB Broker for more information on how we can better protect you!

Hub Hurricane Resource Center
When It Rains, It Floods: Americans Face New Challenges of Flood Risk