Flood Insurance
Your homeowners policy does not cover rising water. Flood is its own policy, and we quote both NFIP and private options.
What Is Flood Insurance?
Flood insurance covers damage from rising water — a creek that comes up, a river that leaves its banks, rain that has nowhere left to go. It is always a separate purchase from your homeowners policy, written either through the National Flood Insurance Program (NFIP) or a private flood carrier. Two different contracts, two different bills. A new flood policy also typically carries a 30-day waiting period, so it has to be in place before the rain is in the forecast.
Why Flood Insurance Matters
Flood is the exclusion people find out about after the water is already in the house. Across the six counties we work in — Tishomingo, Itawamba, Prentiss, Alcorn, Lee and Monroe — FEMA counts 581 residential flood policies among 88,943 homes. Even inside mapped high-risk zones, fewer than one in five homes carries it. Most homes here do not need it, but the ones that do really do, and the time to find out is before closing, not after a storm.
Who Needs Flood Insurance?
Homeowners near the Tennessee River, Pickwick, Bay Springs, the Tenn-Tom or one of the creeks that backs up in a hard spring. Anyone whose lender requires it. Anyone buying a home on a low lot. Renters and landlords can buy contents-only or building-only coverage too. If you are not sure, send us the address and we'll pull the flood zone.
Coverage Highlights
- Building coverage for the structure of your home
- Contents coverage for your belongings
- NFIP and private flood market options
- Coverage available outside high-risk zones, not just inside them
- Flood zone lookup for any address in our footprint
- Lender requirement review at closing
Local Considerations
About 97% of homes in our footprint sit outside a FEMA-mapped high-risk zone, which is why flood is a conversation about specific places rather than a blanket prescription. Tishomingo County has 18 NFIP flood claims on file since 1984, clustered around the big rain events; across the line, Hardin County, Tennessee has 209. We write in Mississippi, Alabama and Tennessee, so a lake place that touches more than one state is a normal day for us.
Where We Write Flood Insurance
Three offices, one agency. Walk into whichever is closest, or start online and the people who know your town will pick it up.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 20+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Flood Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
Flood Insurance Questions We Actually Get
Straight answers to what people ask us around here.
Is flood damage part of my homeowners policy?
How long before a new flood policy starts?
I'm not in a flood zone. Do I still need it?
Can you quote flood alongside my homeowners policy?
Got one that isn't here? Ask us directly — or see the full FAQ.
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Real People
Who You'll Actually Talk To
No phone trees and no call centre. When you call about flood insurance, one of these people picks up.
Let's Talk About Your Flood Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.