Flood Insurance When the Waters Rise

NFIP and private flood options from Mocombe Financial. Protect your home and belongings from flood damage.

Don’t Wait for the Next Storm

Flooding is the most common and costly natural disaster in the United States. Yet most homeowners don’t realize their standard homeowners policy does not cover flood damage. A few inches of water can cause tens of thousands of dollars in damage to your home, belongings, and foundation.

At Mocombe Financial, we help you navigate both NFIP (National Flood Insurance Program) and private flood insurance options. Whether you’re in a high-risk flood zone or just want peace of mind, we’ll find the right coverage at the right price.

Flood Insurance Options

Option	Coverage	Best For
NFIP (National Flood Insurance Program)	Up to $250K building / $100K contents, backed by FEMA	Standard flood zones, predictable pricing, 30-day wait
Private Flood Insurance	Higher limits available, shorter waiting periods, broader coverage	High-value homes, need coverage fast, want more customization

Do You Need Flood Insurance?

FEMA designates flood zones based on risk level. If you live in a high-risk zone (AE, A, V, VE) and have a federally backed mortgage, flood insurance is required. But even homes in moderate- to low-risk zones (B, C, X) flood — over 40% of NFIP claims come from outside high-risk areas.

Heavy rainfall, storm surge, snowmelt, and blocked drainage can all cause flooding. When it comes to flood damage, it’s not if but when in many parts of the country.

Frequently Asked Questions

Is flood insurance required?

Flood insurance is required if you have a federally backed mortgage and live in a high-risk flood zone (A or V zones). Even if it’s not required, it’s strongly recommended — about 25% of all flood claims come from low- to moderate-risk areas.

How much does flood insurance cost?

The cost depends on your flood zone, property elevation, coverage limits, and deductible. NFIP policies average around $700–$1,000 per year, but can be lower or higher. Private flood options may offer competitive rates with better terms. We’ll shop both to find the best value.

What’s the waiting period before coverage starts?

NFIP policies have a standard 30-day waiting period from the date of purchase before coverage takes effect. Some private flood insurers offer shorter waiting periods — as little as 5–15 days. That’s why it’s important not to wait until a storm is on the forecast.

Protect Your Home from the Next Storm

Get a free flood insurance quote today. Don’t wait until the water rises.

(888) 814-6346 Get a Quote

Flood Insurance When the Waters Rise

Don’t Wait for the Next Storm

Flood Insurance Options

Do You Need Flood Insurance?

Frequently Asked Questions

Get a Free Quote

Key Benefits

Who Needs Flood Insurance?

Protect Your Home from the Next Storm