Flood Insurance Information & Tools

Did you know that most home and business insurance policies do not cover flood losses? Floods and flash floods can occur anytime, anywhere. Contact us to learn more about flood insurance coverage - it may be more affordable than you think.

—Henry D. Young, Inc. Insurance Agency

Insurance Products / Flood Insurance

Two inches of water can cost you $7,800. Flooding occurs in every state and can occur any time of the year. Even if you live far from the coast or river, floods can be caused by factors such as heavy rain, melting ice and snow, too few or clogged storm drains, and densely built housing and/or commercial developments.

National Flood Insurance Plan (NFIP) premium rates are set nationally and do not differ from company to company or agent to agent. These rates depend on many factors, which include the date and type of construction of your home, along with your building's level of risk. We also have private flood insurance markets that can be less expensive than the National Flood Insurance Plan rates and may offer additional coverages, such as additional living expenses and excess flood. 

There are many new rules and changes regarding flood insurance included in the Flood Insurance Reform Act of 2012 (Biggert-Waters) and the Homeowners Flood Insurance Affordability Act of 2014 (HFIAA). Let us help you understand these changes and  help you determine the how to get the best flood insurance coverage for your needs. Give us a call today at 856-935-0845 or click here to contact us for more information, or for a quote.

Flood Insurance Tools:
- What is your risk profile for your residence or if you are a tenant?
 - Rate your risk, estimate your premiums
- What is your risk profile for your business? - Rate your risk, estimate your premiums
The Cost of Flooding - This interactive tool shows the cost of a flood to your home, inch-by-inch.
- Flood Risk Scenarios -
what are the chances you may experience a flood loss
- What is the Base Flood Elevation (BFE) of your property? 
- View flood maps - find out the flood zone where your property is located
- Flood map update schedule - Enter your zip code to see all of the communities in your county that have maps sceduled to be updated
- View your community's preliminary flood hazard data - understand how your current effective Flood Insurance Rate Map (FIRM) may change when the preliminary data becomes effective
- Coastal Analysis and Mapping - Great source for FEMA Region II Flood Information

Learn the ways that flood insurance covers your biggest investment - and find out how flexible and affordable flood insurance can be - click here to visit Floodsmart.gov - your premier resource for flood insurance information!