Essentials - How Do I Buy Flood Insurance?

What is Involved?

You can start the buying process online in our quote section. You will just need to answer a few questions to get your risk score and premium. Then, you can pick a provider to purchase your flood insurance policy. As simple as that

What Payment Options Are There?

If this is the first time you are purchasing a flood insurance plan, the payment must first be made in full to your agent before your application to request for coverage can be submitted to the insurance company.

If you live in a high-risk flood area, you may be required to pay for your flood insurance coverage through an escrow account.

How Long Will Flood Insurance Take to be Effective?

Normally, a standard 30-day waiting period applies when purchasing a Flood Insurance policy. There are some cases when a waiting period does not apply – talk to your agent to know more.

How Do I Renew A Flood Insurance Policy?

Flood insurance does not renew automatically, so it is very important to pay on time when your insurance company notifies you of the expiration of your insurance. If you’ve received a flood insurance renewal bill from one of the companies listed here, you can pay online at

Every year you renew your flood insurance policy, you should receive a copy of the “Flood Insurance Claims Handbook”, “Summary of Coverage” and report that summarizes the history of losses on your property. Additionally, two months after your flood insurance renews, FEMA will send you a letter which explains your flood risk and how this risk might affect your flood insurance premium.

Allowing your policy to lapse can have serious ramifications. If your flood insurance expires for more than 90 days, or twice for any number of days, you may no longer be eligible for the discounted rate you may have got.