Flood Insurance in Norcross, GA

Floods can happen after heavy rain, hurricanes or snowmelt. And when they do, the damage can be overwhelming. Flood insurance can help you recover from flood damage that regular homeowners or renters insurance usually doesn’t cover.

Why Is Flood Insurance Important?

Mortgage lenders often require flood insurance if you live in a high-risk flood zone, but it’s still worth considering even if you’re outside those zones. Flooding can happen anywhere. Urban areas with poor drainage, places with sudden weather shifts or regions near lakes and creeks are all vulnerable.

What Does Flood Insurance Cover?

Flood insurance may cover damage to your property and belongings caused by rising water. Here’s what’s usually included:

• Structural damage to your home, including flooring, foundation and walls
• Electrical and plumbing systems
• Central air conditioning, furnaces and water heaters
• Built-in appliances, refrigerators and stoves
• Detached garages (up to a specific limit)
• Personal belongings like clothing, furniture and electronics (if you have contents coverage)

While flood insurance may cover a lot, it typically excludes damage from sewer backups (unless directly caused by flooding), temporary housing costs and anything outside your insured building, like landscaping or swimming pools.

How Much Should I Expect for Coverage?

Coverage limits usually depend on the type of policy and the provider. Policies through federal programs have set boundaries, while private insurers may offer more flexibility and higher thresholds.

Premiums depend on many factors, including your property’s location, elevation and flood risk level. Homes in high-risk zones usually carry higher costs, while those in moderate or low-risk areas may qualify for lower rates. Review your property’s flood map and speak with your insurance agent to understand what options are available to you.

Explore Your Options

Insurance Direct Group helps individuals and businesses in Norcross, GA secure suitable flood insurance. Contact us today to get a personalized quote.