Flood Insurance Coverage
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why you need flood insurance
Why You Need It
Flooding isn’t just a concern for coastal properties. In fact, over 25% of all historical flood claims come from areas often considered low-risk. Floods account for 90% of all natural disasters nationwide, making it essential to understand your property’s risk, comply with flood insurance requirements, and secure comprehensive protection to keep you and your family prepared for whatever nature brings.
Happens in Low-Risk Areas
Over 40% of flood claims occur in zones considered low-risk—flooding can happen anywhere, even where you least expect it. Unexpected weather changes, heavy rainfall, melting snow, or even infrastructure failures like broken levees or clogged storm drains can cause flooding anywhere, making coverage essential no matter your location.
Very Expensive to Repair
Flood damage can be financially devastating, with the average flood insurance claim costing over $52,000. Without proper coverage, these costs must come entirely out of your pocket, potentially resulting in significant financial hardship. Flood insurance helps ensure you're prepared and protected financially when the unexpected occurs.
Licensed, Experienced, and Ready to Protect
Hive Insurance is licensed in over 30 states, backed by years of industry expertise, and partners with more than 20 leading providers to ensure you always receive the best coverage at the most competitive rates.
Why Choose Hive Insurance?
Most homeowners' policies in the U.S. don’t cover the most common natural disaster—flooding. That’s where we step in! We make it easy, fast, and affordable to protect your home, business, and family from the devastating effects of a flood.
Hive Insurance’s residential and commercial flood policies cover damage from heavy rainfall, melting snow, storm surges, blocked storm drains, levee or dam failures, and more. Get a free online quote in under two minutes, assess your property’s flood risk, and explore our extensive coverage options today!
Comprehensive Flood Protection
Hive Insurance doesn’t just protect you—it simplifies flood protection. With rapid claims processing, flexible coverage tailored to your exact needs, and dedicated support from our flood insurance specialists, you're always in safe hands. Whether you own a residential or commercial property, you’ll have peace of mind knowing your home, business, and belongings are comprehensively protected from floods.
Get your free quote today and secure your property’s future!
Frequently asked questions
Do I Need Flood Insurance?
The simple answer: Everyone should consider flood insurance. Mortgage lenders require some homeowners in high-risk flood zones to have coverage. However, even areas not labeled as high-risk can experience floods. In fact, 99% of U.S. counties have experienced flooding, and from 2014 to 2018, over 40% of NFIP flood claims were filed in areas where flood insurance wasn’t mandatory. With an average NFIP claim payout of $52,000, having flood insurance could mean the difference between recovery and financial ruin.
Does Homeowners Insurance Cover Flood Damage?
Typically, standard homeowners, dwelling fire, and renters policies do not cover severe water damage caused by flooding.
What Does Flood Insurance Cover?
There are several different options for flood insurance. the most typical coverage will cover your dwelling and your personal belongings. Additional coverage can be added to include rental expenses or extra living expenses.
How Much Does Flood Insurance Cost?
Flood insurance costs vary based on several factors, including your home’s value, location, age, construction type, number of stories, and foundation. A licensed insurance agent can give you an accurate estimate and a quote. Begin by completing the form on this page.
What Should I Look for When Evaluating Flood Insurance Companies?
As previously mentioned, standard homeowners insurance policies usually do not cover flood-related damage. Flood insurance must be obtained separately from a specialized provider. Hive Insurance is a trusted national provider of flood coverage for residential and commercial properties. Hive Insurance is trusted nationally, and works with dozens of insurance companies, to provide you the best quote and coverage possible.
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Don't Wait Until It's Too Late—Get Your Flood Insurance Quote Today & Protect Your Hive!