Flood Insurance in Delaware & Maryland

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If you live near the water—or even just in a heavy rain zone—flood insurance isn’t optional. Homeowners insurance does not cover flood damage, and many families find this out too late. Whether you’re in a high-risk FEMA flood zone or just want peace of mind in a coastal town like Rehoboth, Ocean City, or Cambridge, we’re here to help you understand your options. We work with both the National Flood Insurance Program (NFIP) and private insurers to make sure you get the right coverage at the right cost. From tide-driven flooding to flash floods and storm surge, we help you stay ahead of what the forecast can’t always predict.

Coverage That Fills the Gap Your Home Policy Doesn’t

Protection for Coastal & Flood-Prone Properties

What Does Flood Insurance Cover?

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Building Property Coverage

Helps pay to repair or rebuild the structure of your home or business after flood damage. Covers things like flooring, walls, electrical systems, and appliances permanently installed in the building.

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Personal Property Coverage

Covers the contents inside your home—furniture, clothing, electronics, and other belongings damaged by floodwater.

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Foundation & Mechanical Systems

 Includes protection for your foundation, HVAC units, and built-in systems that may be severely affected by standing or rising water.

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Basement Essentials

Depending on the policy, may cover certain items in your basement like sump pumps, circuit breakers, and water heaters (note: finished basements often require special consideration).

Not sure if your property needs flood insurance?

Let’s talk through your location, flood zone, and the smartest options for protecting your home.

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Why Local Flood Coverage Guidance Matters

Flood insurance is complex—and generic advice can leave major gaps in your protection. We’ve been helping homeowners and business owners across coastal Delaware and Maryland understand what’s covered, what’s not, and how to avoid surprise costs.

Benefits of having insurance with us:

  • Local insight into high-risk and changing FEMA flood zones
  • Access to both NFIP and private flood insurance options
  • Help combining flood, wind, and homeowners coverage
  • Fast quote turnaround with no-pressure guidance
  • Personalized advice for coastal and low-lying areas
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What You Need to Know About Flood Insurance

Flood Insurance FAQs

  • Isn’t flood insurance included in my homeowners policy?

    No. Most standard homeowners policies specifically exclude flood damage. You’ll need a separate flood policy to be covered if water enters your home from the ground up.

  • How do I know if I’m in a flood zone?

    We can help check your address against the latest FEMA flood zone maps. Even if you're not in a high-risk area, floods can still happen—and coverage can be affordable.

  • What’s the difference between NFIP and private flood insurance?

    NFIP policies are backed by the federal government and offer standard limits. Private flood insurance may provide higher coverage amounts and shorter waiting periods. We’ll help you compare.

  • Do I need flood insurance if I have a mortgage?

    If your property is in a high-risk flood zone, your lender will likely require flood insurance. Even if it’s not required, coverage can be a smart financial decision.