Residential Flood Insurance and Excess Flood | SWBC

Residential Flood Insurance & Excess Flood Insurance

If you’re like most Americans, your home is your most valuable asset. Therefore, protecting the value of your home and its contents is crucial. While you likely have homeowners insurance to cover many types of damage to your home, damage from flood waters—the most common natural disaster in the United States—is not covered under homeowners policies.

Flood insurance is the only way to insure your home against water damage from multiple flood sources, including heavy rain, snow melt, tropical storms, and malfunctions in drainage systems, levees, or dams.



Every Home Is at Risk

While certain geographical areas are considered at high risk for floods, even lower risk areas experience flooding regularly, and 20% of flood insurance claims come from low- to moderate-risk areas.

Flooding Often More Likely Than Fire

Homeowners in high-risk flood areas are 27 times more likely to experience a flood than a fire within a 30-year mortgage period.

Water Damage Is Expensive

According to the Federal Emergency Management Agency, which issues flood insurance for U.S. homeowners, just one inch of flood water can damage a home and property enough to cost $27,000 in repairs and replacements.


When it comes to protecting the value of your home, don’t risk going without coverage for floods, our country’s most common natural disaster. With flood insurance, you must have coverage in place 30 days before filing a claim. Once flood waters strike, the damage is done, and it’s too late to insure against the financial consequences. Add a flood insurance policy today to protect your home and belongings against the tremendous expense of flood water damage.

Coverage for Repairs and Replacements

Depending on the details of your policy, your flood insurance coverage will pay for repairs to your home and repairs to or replacement of damaged items within your home.

Preferred Rates Available

If your home is not in a high-risk area, you’re eligible for a preferred-risk, lower cost policy that still provides the same level of coverage as homes in high-risk areas receive.


Enhanced Coverage Available

If your home exceeds the $250,000 in value covered by standard flood insurance, SWBC offers excess flood insurance that provides up to $5 million in rebuilding costs and assistance with living expenses while you rebuild. In most states, excess flood insurance also provides up to $2 million to replace damaged contents, compared to a $100,000 limit on standard flood insurance.


Experience a More ConvenientAlternative to a FEMA National Flood Insurance Policy (NFIP)

Unlike a Federal Emergency Management Agency (FEMA) policy, when you purchase an SWBC flood policy, you won’t incur any federal fees or assessments.

Competitive Rates

If your NFIP policy has lapsed, or you experience higher premiums because your property is located in a low elevation area, we may be able to offer you a lower rate!

Nationwide Coverage

Our flood and excess flood policies are available in all 50 states.

Broad Coverage

Our flood coverage is just as broad as a FEMA NFIP with higher coverage limits, potentially eliminating the need for an excess flood policy.

Shorter Wait Times

While the NFIP waiting period is typically 30 days, SWBC policies are made effective five days after we receive your first premium.

When you insure your home through SWBC, you gain an advocate who will make sure your home and possessions are properly protected from the damaging effects of flooding. Contact us today for your free quote.

Related Services

Request aQuote

Mega Menu Insert

subMenu3 Content Insert | 3 Columns

subMenu16 Content Insert | 1 Columns

subMenu18 Content Insert | 1 Columns

subMenu15 Content Insert | 1 Columns

subMenu14 Content Insert | 1 Columns

subMenu13 Content Insert | 2 Columns

subMenu4 Content Insert | 3 Columns

subMenu9 Content Insert | 1 Columns

subMenu17 Content Insert | 1 Columns

subMenu12 Content Insert | 3 Columns

subMenu11 Content Insert | 1 Columns

subMenu5 Content Insert | 1 Columns

subMenu8 Content Insert | 1 Columns

subMenu10 Content Insert | 1 Columns

subMenu2 Content Insert | 3 Columns

subMenu6 Content Insert | 1 Columns