8735 Dunwoody Place STE R Atlanta, GA 30350
Info@Oginsurancehq.com
Flooding is the most common and costly natural disaster in the United States—and your homeowners policy doesn't cover it. We place both NFIP and private market flood policies.
23% of flood claims come from properties outside high-risk flood zones (FEMA).
Average NFIP claim payout: ~$52,000 nationally
Homeowners policies exclude flood by definition — there are no exceptions.
Policies must be in place before a flood event to be valid.
Covers the physical structure of your home — foundation, walls, roof, HVAC, electrical, plumbing, and built-in appliances — against direct flood damage. NFIP limit: $250,000 for residential structures.
Covers belongings damaged by flooding — furniture, electronics, clothing. NFIP limit: $100,000 for contents. Private market policies can provide higher limits.
NFIP (National Flood Insurance Program) is government-backed with standardized rates and a $250,000 building / $100,000 contents limit. Private market flood policies often offer higher limits, broader coverage, and shorter waiting periods — sometimes as little as 10–14 days.
NFIP policies have significant coverage limitations for basements — contents are largely excluded and only specific structural elements are covered. Private market policies may offer broader basement coverage.
NFIP does not cover temporary housing or additional living expenses if your home is uninhabitable due to flooding. Some private market flood policies do. Ask your agent.
If your rental property is flooded and tenants must vacate, private market flood policies may cover lost rental income during the uninhabitable period. NFIP does not.
If your home is in a Special Flood Hazard Area (SFHA) and has a federally backed mortgage, flood insurance is legally required. We help you satisfy this requirement efficiently — and often for less than NFIP rates through private carriers.
Three inches of rainfall overnight sent water into Carol’s Columbia, South Carolina home — she was in Flood Zone X, which FEMA considers “moderate to low risk.” She had no flood insurance because her mortgage company never required it. Storm water backed up through the garage and flooded the first floor. Total damage: $31,000. Covered by homeowners: $0. Flood insurance would have cost her $[Rate]/yr.
“FEMA told me I was in a low-risk zone. Nobody told me ‘low risk’ still means ‘no
coverage’ if it floods.”
Most homeowners believe flood insurance is only for people who live near rivers or on the coast. The data says otherwise. Nearly a quarter of all flood claims are filed by properties in “low to moderate risk” zones. Flooding can happen anywhere it rains.
This handbook explains how NFIP and private market flood insurance work, what your flood zone designation actually means, and why the 30-day waiting period makes buying flood insurance right now — not after a forecast — the only smart choice.
No. Standard homeowners policies explicitly exclude flooding from external sources — rising water, storm surge, overland flooding. The only exception is sudden, accidental water damage from within the home (burst pipe, appliance failure). External flood water always requires a separate flood insurance policy.
NFIP flood policies have a standard 30-day waiting period between purchase and when coverage becomes effective. This means if a storm is forecasted or you see flood warnings, it is already too late to buy coverage for that event. Private market carriers sometimes offer shorter waiting periods of 10–14 days.
NFIP (National Flood Insurance Program) is government-backed with standardized rates and coverage limits ($250K building, $100K contents). Private market flood insurance can offer higher limits, broader coverage (including ALE), and sometimes lower premiums. OG Insurance HQ shops both to find the best fit.
Not required (unless your mortgage stipulates it) — but strongly recommended. Over 20% of NFIP claims come from properties outside designated high-risk zones. Flood risk exists wherever rain falls.
Yes. Landlord flood policies cover the structure and can include loss of rental income under private market policies. NFIP has separate coverage options for non-owner-occupied residential properties.
