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Flood Insurance

Floods are the most common and costly natural disaster.  Federal disaster assistance comes in the form of a loan that must be repaid with interest.  Homeowners Insurance and Renters Insurance do NOT cover flooding.  Only a separate Flood Policy protects you from these unexpected disasters.

Here are a few things to consider when you are reviewing your current insurance coverage...

  • Floods are the most common and costly natural disaster.
  • 25% of all flood claims occur in areas not identified as a high flood risk zone.
  • Heavy rains, blocked creeks, or inadequate drainage can all lead to flooding.
  • Am I protected against water main breaks, ruptured tanks and towers, broken levees and dams, or power outage leading to pump failures?
  • Homeowners insurance does NOT cover floods.
  • Renters insurance does NOT cover floods.
  • Only Flood Insurance covers floods.

GET A QUOTE or contact us at plservice@hmsia.com.

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