Skip to content


Flooding is a potential risk and the damage can be devastating. You may want to purchase Flood Insurance, even if you do not currently live in an area designated as a flood zone. Your homeowner’s policy does not include flooding protection, so even if flood insurance is not required, you may wish to purchase this additional insurance to protect your home or business. The risk of flooding can change, so it is important to check the FEMA flood map each year to determine your risk, particularly if you do not currently have flood insurance. At the Crilly Agency we like to keep our clients informed.

There is a National Flood Insurance Program that (NFIP)guarantees the availability of insurance in specific areas. However, homeowners now have alternative choices when purchasing flood insurance. New changes in flood insurance rules now enable us to work with clients to choose their own coverage provider and bypass the artificially low coverage limits offered by National Flood Insurance Program (NFIP) policies. You can supplement your coverage or replace your policy altogether, depending on your needs, to protect your home.

For most homeowners, floods are a low-likelihood but high-cost risk. If you are hit by flooding you could lose many or most of your personal possessions, face major reconstruction work, and be left homeless for months while your property is made habitable again. In most cases, not having flood insurance is a chance you simply can’t afford to take. Give us a call a find out, whether Flood insurance makes sense for you and how much it will cost.