Since opening our doors in 2010, our goal has been to not only provide the best flood insurance options, but also be the industry-leading expert to you, our customer, on what flood insurance is, why it is needed, and answer the most frequently asked questions about flood insurance in Georgia.
If you have another question we didn’t address or are looking for a free flood quote, contact us.
We’d be happy to help.
The average flood insurance premium in Georgia is under $500 a year. Your exact premium is determined by factors such as where you live, the amount of coverage you choose, the age and value of your home, elevation and structure of your home, and the deductible. Due to recent flood insurance reform, this amount may not reflect current flood insurance costs for some areas.
Our agents can quickly help you find out how much your premium will be, which discounts you might qualify for and if there are any special siuations with your property or business that may affect your flood insurance coverage.
Yes and no.
Georgia Flood Insurance offers a quick (less than 15 minutes) online quoting process where you can obtain a free online quote with just a few answers to some basic questions about the property, but you will still need to contact your agent to bind coverage. Our sophisticated quoting system provides your flood zone determination, as well as your estimated yearly premium if you’re in flood zones B, C, or X. At the conclusion of the process, you will need to briefly speak with one of our flood agents to bind the policy, as additional information will be required (as with any insurance provider). The good news is, completing the quote request online will help expedite your request!
Keep in mind, you can only purchase flood insurance through an insurance agent; you cannot buy it directly from the National Flood Insurance Program (NFIP). Since Georgia Flood Insurance is a general agent, we can easily process all flood insurance policies through the NFIP or through one of our many private carriers.
than what the NFIP policy offers?
Most private insurance companies offer enhanced or excess flood protection, which provides limits above those of the NFIP or above $250,000. Our team of dedicated flood agents can assist in finding the additional coverage you need.
The vast majority of homeowners’ insurance policies only cover damage caused by threats such as fire, windstorms, hail, lightning, and theft/vandalism. Though there are other some policies that may cover additional threats, floods and earthquakes are typically discounted.
Therefore, you must have a separate flood insurance policy to cover any damage to your home or business caused by flooding.
FEMA gives a nice example to better understand how this loan works: Borrow $50,000 at 4%to repair your property. Over the next 30 years, you’ll pay about $240 a month in addition to your mortgage to pay back the loan.
for flood insurance?
If you don’t live in an area that participates with the NFIP, you could still be eligible through a private carrier, which Georgia Flood Insurance can provide direct access to.
A flood by definition is defined as
A) When two or more acres or B) Two or more properties are affected by water rising from the ground up – usually due to heavy rain, river overflow, or extreme coastal storm conditions. Though river floodplains and coastal areas are the most vulnerable, it is possible for flooding to occur anywhere. This is why we strongly encourage everyone to carry flood insurance – even in low- to moderate-risk flood zones.
To learn more about the facts about flooding in Georgia, visit our
Flood insurance covers physical damage to your property and possessions(up to a certain limit depending on your policy). For more information, please click the link belowfor a more detailed guide of what is and what is not covered to better understand yourflood insurance policy in Georgia.