How much damage from how much water?
The NFIP reports that one inch of water can cause up to $25,000 in damage to a typical home.
How much damage from how much water?
Surface flooding. Even one inch causes serious damage to floors, baseboards, and electrical outlets near the ground.
inchMississippi is one of the most flood-vulnerable states in the nation.
Bordered by the mighty Mississippi River to the west and the Gulf of Mexico to the south, and laced with rivers, bayous, and backwater areas throughout. Flooding here isn't a question of if. It's when.
Standard Homeowners
What your everyday policy covers, and what it leaves out.
- Fire damage
- Wind & hail
- Theft & vandalism
- Burst pipes & internal leaks
- Flooding from rain, rivers, or storm surge
You probably do.
The short answer is almost everyone. Especially if any of the below apply to you.
Near water
A river, creek, bayou, ditch, or low-lying area within walking distance.
In an SFHA
FEMA-designated Special Flood Hazard Area. Your lender almost certainly requires coverage.
Prior flooding
You've experienced flooding before, even if it was minor.
New development
You live in a rapidly developing area where new construction has changed drainage patterns.
Lender requires it
Your mortgage requires flood insurance, and we'll make sure the policy actually meets the requirement.
Risk-averse
None of the above apply, but you'd rather not gamble on the next storm season.
Two groups emerge.
The difference is one policy.
FEMA assistance and SBA loans aren't a substitute for proper coverage. They're a last resort, slow, capped, and limited.
A long, hard road back
Recovery is slow and partial. FEMA and SBA disaster loans may help, but they come with limits, and to qualify for future help you're typically required to buy flood insurance anyway.
Recovery begins immediately
A claims adjuster is assigned. Damage is assessed. The rebuilding process starts. That peace of mind is exactly what we set up for you today, before you need it.
Specialists, not generalists.
We're not a multi-line agency. Flood insurance is our entire focus, and that focus is the difference between a generic policy and the right one.
Flood insurance is our entire business
That focus means we understand the coverage gaps, lender quirks, and rate-finding strategies that a multi-line agency simply does not.
We know Mississippi flood risk firsthand
From the Delta down to the Gulf Coast, our team understands the regional flood risks and FEMA quirks that apply across every region.
Independent, in NFIP and private markets
We shop federal NFIP and private flood markets against each other to land on the right coverage at the right rate for your property.
Real people answer the phone, no menus
Pick up Monday through Friday and you'll reach a real person who has helped Mississippi families through floods since Hurricane Katrina.
Get your free flood
quote today.
Don't wait for the next storm to find out you're unprotected. Request a free quote. There's no obligation, and most policies have a 30-day waiting period before they take effect.