Flood: The #1 Natural Disaster in the US.

Water is fun and adventurous in your backyard pool but creates havoc when seeping into your basement or bedroom. Flood insurance holds the difference between recovering from a loss or experiencing financial devastation.

Flooding is the most common natural disaster in the United States and can occur anywhere, even in the desert; yet, a standard homeowners insurance policy does not cover flood damage. You do not have to live in a high-risk flood zone to be affected by a flood. In fact, 20 to 25 percent of flood claims originate from properties outside high-risk flood zones. 


It is essential to understand your true flood risk and whether flood insurance is something you should consider to protect your home from floods associated with hurricanes, tropical storms, heavy rains, and other impactful conditions.

Disaster Relief Workers Aiding Flood Victims
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Are You at Risk?

No home is completely safe from potential flooding. Due to the nature of flood damage, it can be an emotionally and financially devastating event. Even just one inch of water can cause $25,000 in property damage. Without flood insurance, most individuals must pay out of pocket or take out loans to repair and replace damaged property and belongings. Even if you have homeowners, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to protect against losses from a flood.


When you have flood insurance, you recover faster and more adequately. These policies cover physical damage to your property and possessions resulting from floods or flood-related losses. The federal government operates the National Flood Insurance Program (NFIP), which issues flood insurance policies. Whether you are required to buy flood insurance or want additional protection for your property, VIA can evaluate your needs and help you decide if flood insurance is advisable through the NFIP or a private insurance company. Contact us today to learn the advantages of protecting your personal property and belongings with a flood insurance quote today.

Determine your risk here and now.

What type of coverage is right for you?

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As property values continue to rise, the cost of rebuilding has increased. We can help you find a policy that covers your property up to $1 million and includes the building and its foundation; the electrical and plumbing system; central air conditioning equipment, furnaces, and water heaters; refrigerators, cooking stoves, and built-in appliances such as dishwashers; and, permanently installed carpeting over unfinished flooring.

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What if the contents of your home become damaged during a flood? The value of your belongings can quickly add up. We will help you find a policy that covers your personal property up to $1 million and includes clothing, furniture, and electronic equipment; curtains; portable and window air conditioners; microwaves and dishwashers; carpeting; and, washers and dryers.

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Replacement Cost Coverage is available for both your building and your contents. Replacement cost refers to the costs of repairing or replacing damaged property, according to its current market value.  It does not consider what you paid for the item or how much it depreciated in value since the purchase date.

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Though flood insurance through FEMA's NFIP has a 30-day waiting period (unless the flood policy is required for a loan closing, or other special circumstance), many private flood insurance companies offer much shorter waiting periods, some as little as five days.

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Private flood insurance often offers additional coverage selections to protect your property and possessions. Options include structures not attached to your home including a garage, pool house, or shed; pool repair and refill; basement contents; and, temporary living expenses. Excess flood insurance policies are also available if you need added coverage.

Flooding you with confidence.

In 1968, Congress created the National Flood Insurance Program (NFIP) to provide homeowners, renters, and business owners with a means to financially protect their property and possessions. To reduce the risk of flooding, participating communities adopted and enforced specific ordinances meeting or exceeding FEMA requirements. If your home is in an NFIP participating community, you may be eligible for flood insurance at a reasonable cost through the federal government.


Private flood insurance is a viable alternative to buying a government-backed policy under the NFIP. Private flood coverage is available through private insurers, such as Lloyd's of London or TypTap, and it satisfies federal mandates and mortgage requirements.

Our Carriers

In the United States, flood-related damages cost individuals more than a billion dollars per year with the average claim ranging from $30,000 to $45,000. Knowing your flood risk can help you choose the coverage which appropriately meets your specific needs.

VIA can help you keep your head above water when it comes to purchasing a NFIP or private flood policy. Our carriers feature the convenience of 24-hour claims service, electronic payments, and access to online policy documents.