Flood Insurance

Affordable Flood Insurance

Whether you're a homeowner, a business owner, or renter, flood insurance coverage is available for you. For homes, condominiums and townhouses, flood insurance policies cover your home's structure and your personal belongings.  

Connect with us directly to access the Flood Zone for your property.  With the address, Flood Zone and Elevation Certificate (if required), we can access all flood insurance options and present the best flood insurance coverage. 

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We do the work for you. In a few steps, you’ll have the best rate and will be able to get immediate coverage.

"I was forced to buy Flood Insurance when I bought my home and to be honest, I bought it only because it was required. I never thought the street would flood and the water would rise 2 feet and come in the front entry and damage all my floors. I was lucky to be insured. I'm thankful it was required!"

Travis Jones


Flood Insurance

Flood Insurance systems now utilize a new rating methodology which leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are easy to understand and better reflect the individual flood risk. We partner with more than 50 insurance companies to offer the same affordable flood insurance rates throughout the nation. 

Whether you live in a Special Flood Hazard Area (SFHA) as defined by FEMA or perhaps a lower risk area, HDA Insurance provides the specialized flood insurance you deserve to protect your home from rising water. 

Although mortgage companies require Flood Insurance for homes located in a SFHA, flood insurance premium rates are much lower for homes located in a low-risk area. Homeowners Insurance often excludes damage from rising water, sporadic snowmelt damage and floodwaters. 

Coverage Details

Flood Insurance consists of the Property Section (Dwelling Insurance)  and the Contents (Personal Property Insurance).    

The flood insurance policy premium depends on the amount of coverage and the flood risk of the insured structure.

Flood Insurance

Types of Hazard Insurance

  • Flooding can happen just about anywhere it rains or snows. 40% of flood insurance claims occur outside high-risk flood areas.  
  • The official definition of Flood Insurance is ‘a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area’.
  • Mudflow is defined as ‘ a river of liquid and flowing mud on the surfaces of normally dry land areas’. 
  • The government requires that homes in high-risk flood areas designated on flood maps be protected by flood insurance if they are secruity for loans backed by a federally regulated lender.

You can buy Flood Insurance at any time; however, there is usually a 30-day waiting period before the policy goes into effect, with some exceptions.   If there is a pending loan transaction requiring insurance as a condition, the waiting period would be waived.  


Policy Service

Customer Service is available via direct insurance company portals and tele-servicing centers for our clients and their mortgage companies. Claims Reporting Service is available 24/7 directly online, via mobile apps and personalized telephone service. More details available on our Policy Service tab.


Results You Can Trust

HDA Insurance Brokerage is a certified and licensed National provider of home insurance and other insurance products online direct to the consumer public and via our institutional arrangement with mortgage providers. Since 1986, this Personal & Commercial Lines agency evolved into a national property insurance provider with a focused expertise in Homeowners Insurance, Landlord Insurance, Renters Insurance, Earthquake Insurance & Commercial Lessor’s Risk Insurance.
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Have any questions?

Check our FAQ


Here are the most common questions

Chances are, you'll find the answer in our FAQs. We have listed some of the more common questions asked by Flood Insurance clients.

We’re here to answer any and all your questions.  For more specific questions, you may complete our Contact Us form and one of our representatives will be happy to personally research the topic and respond at your convenience.

Homeowners insurance policies typically exclude damage caused by floods. Floods are typically defined as rising exterior water levels causing damage to the home. Flood Insurance is necessary to cover the peril of Flood. 

Flooding is a risk no matter where you live; perhaps it is much less likely if your home is a condominium unit located on the third floor of a building.  Flood Insurance is very important; the premium for non high-risk areas is substantially lower; however, when a flood occurs, the damage is extremely costly and you’d wish you had bought insurance when faced with a loss. 

A flood elevation certificate is a document used to confirm a building’s elevation in high-risk areas relative to the estimated height floodwaters will reach in the event of a major flood. It is usually signed and stamped by a Certified Engineer and filed in the County Engineering Office.

To get started, your name, address and an Elevation Certificate (if you have one). Flood Insurance policies are written nationwide and our systems will automatically check the flood zone and accordingly will provide the best available flood insurance quote.