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Flood Insurance

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Real People. Real Results.

"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
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Melanie Davis
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"Super helpful and professional! Highly recommend!!"
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Brent Craft
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"Great experience from start to finish!"
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Shelby Hodges
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"Great experience from start to finish!"
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Shelby Hodges
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
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Jiggs Hospitality
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria

Top Carriers. Great Rates. Quality Coverage.

Frequently Asked Questions

Flood insurance is the most common cause of loss from a natural disaster.

What does flood insurance cover?

Flood insurance covers losses directly caused by flooding. Flooding is defined as rising water. It is defined as an excess of water on land that is normally dry, affecting tow or more acres of land or two or more properties.

Am I required to purchase flood insurance?

States do not require homeowners to purchase flood insurance. If a home is in a high-risk flood zone, as determined by FEMA, a lender will typically require the homeowner to purchase and maintain flood insurance at all times.

Why is flood insurance so expensive?

Insurance premiums are based on risk of loss. The higher the probability of loss, the higher the cost to insurance against that risk. The more likely a home is prone to flooding, the more expensive the flood insurance will be.

Are flood insurance claims common?

Floods are the most common type of natural disaster in the world. Over 40% of natural catastrophes involve flooding.

What is an elevation certificate?

An elevation certificate (EC) is a document that is prepared by a licensed surveyor. It should include the FEMA's Flood Insurance Rate Map, flood elevation, flood zone, and other details about the building.

Does my home insurance cover flood damage?

Home insurance, or homeowners insurance, does not typically cover damages or losses caused by flooding. It is recommended that homeowners purchase a separate flood insurance policy to protect against this risk.

What does FEMA stand for?

FEMA is short for the Federal Emergency Management Agency. It is an agency of the United States Department of Homeland Secuirty. It was initially created under President Jimmy Carter.

What does NFIP stand for?

NFIP is short for the National Flood Insurance Program. It was created in 1968 by the Congress of the United States. The program has two purposes. The first purpose being to share the risk of flood losses through flood insurance. The second to reduce flood damages by restricting floodplain development.

Is Additional Living Expense covered by flood insurance.

Additional Living Expense is not typically covered by flood insurance.

What are the Special Flood Hazard Area Zones?

Zones V, VE, A or AE are all designated as special flood hazard area zones. This means that these properties are projected to have a greater than one percent change of flooding in any given year.