Foy Insurance

Flood Insurance


Should you buy flood insurance?

flood-insurance-me-ma-nhThe Risk is Real. 

A flood can happen any season and anywhere even if you don’t think you live in a flood zone. If a flood happens to you, the fastest and most economically way to recover is with a flood insurance policy.

More than 20,000 communities have joined the National Flood Insurance Program. If you live in one of those communities then you can buy a flood policy. That is good news considering floods are the most common natural disaster and they are NOT covered by your homeowners insurance.

Don’t wait for a flood season warning on the evening news to buy a policy – there is a 30 day waiting period before coverage takes effect.


Know your flood facts:

Flood insurance is not covered by your homeowners, business or other property policies.

  • 25% of all claims occur in low to moderate risk flood areas.
  • Everyone lives in a flood zone.
  • There is a 30 day waiting period for a policy to take effect.
  • In the US, flooding is the #1 natural disaster
  • Federal Disaster Assistance – if it is available after a flood, is usually a loan you must repay with interest.
  • The NFIP provides coverage up to a maximum $250,000 for the structure of a home and $100,000 maximum for personal possessions.

Flood coverage can be as low as $129 per year for a preferred risk homeowner policy and $162 for qualified business owners.

 Call your local Foy Insurance office to see how much a flood policy will cost you.

 Additional resources and information:

Recent Blog Posts


Contact us

Foy Insurance has locations throughout New England to serve you.

  • Branch Locator

Connect with us

You are here: Home Insurance Services Personal Flood Insurance