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Flood Insurance

Flooding is America's #1 natural disaster

Are you protected against flood damage? Floods can happen anytime, anywhere—resulting from storms, hurricanes or a rapid accumulation of rainfall.

Most homeowners insurance policies do not cover flood events.

More than 20% of flood insurance claims come from moderate to low-risk areas.

Just a few inches of water can cost thousands of dollars in damage.

Given the very real risk of floods across our country, it’s important to ensure your property is protected. And be sure to plan ahead; flood insurance policies often require a 30-day waiting period before coverage goes into effect (except when purchasing a new home and the closing is in less than 30 days).

As a national broker, McGriff pairs big broker capabilities with a personalized, boutique agency level of service from start to finish. We’re here to serve you.

Discover the McGriff difference

Types of flood insurance

There are two routes you can take for flood insurance: the National Flood Insurance Program (NFIP) and private flood insurance. At McGriff, we can help you explore each option to find what works best for you.


  • NFIP coverage is paid out by the government and funded through taxpayer money
  • Limited to $250,000 in coverage

Private Flood Insurance

  • Can provide higher coverage limits than the NFIP
  • Covers a greater variety of things
  • May be less expensive in some areas
  • Some policies can pay for living expenses in the event your home becomes uninhabitable

There are many factors to consider when selecting the right flood insurance coverage. Let one of our specialists help you make the best choice to protect your home.

Personal insights & resources

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How to Increase the Efficiency of Your Refrigerator  (Article)

9 Reasons to Review Your Insurance Coverage  (Article)

Let's connect.

Our approach begins with understanding your needs and goals, so please contact us to get started.

Email or call 800-228-6978.

Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, Inc. CA License #0C64544