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What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. 

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about the right amount of flood coverage for your home.

Contact Us About
Flood Insurance:

(435) 674-8771
​321 N. Mall Drive, Suite R108
​St. George, UT 84790
Click Here to Email Us
Flood Insurance Quotes

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Howe Insurance Brokerage, LLC
​
​St. George, Utah
Office:  (435) 674-8771

​Boise, Idaho
​Office:  (208) 391-4141

Toll Free: (855) 315-1446
Text Only:  (435) 256-7054
​
Click Here to Email Us

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  • Home
  • Quotes
    • Auto Insurance Quote >
      • Auto Insurance Quote
      • Motorcycle Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • RV Insurance Quote
      • Boat Insurance
    • Homeowner Quote >
      • Condo Quote
    • Business Quotes >
      • Business Quote
      • HOA Busines Quote
      • Business Owners Package (BOP) Insurance Quote
      • Event Insurance Quote
      • Insurance Bonds Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Quotes Live Rates
      • Dental Insurance Quote
    • Life & Financial Quotes
    • Condo Quote
    • Earthquake Insurance Quote
    • Flood Quote
    • Landlords Insurance Quote
    • Renters Quote
    • Other Quotes >
      • Boatowner Quote
      • Umbrella Quote
      • Travel Quote
      • Wedding Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Event Insurance
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Event >
      • Wedding Insurance
  • About
    • Insurance Carriers
    • Accessibility Statement
    • Refer a Friend
    • The Insurance Agent Mobile App
  • Contact
  • Blog