New York Flood Insurance

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As a general agent, California Flood Insurance provides several coverage options when it comes to protecting your home and assets. Whether you are in a low-risk zone and want added protection, are in a high-risk zone and flood insurance is required, or have a high-value home and need additional, higher-limit coverage – we offer multiple solutions for a flood insurance policy that will work for you.

For many, flood insurance is required if groundwater rises and floods their home—a condition that isn’t usually covered by most homeowner policies.

Private Policies Through Private Carriers

(Available For All Zones)

Enhanced flood insurance options for additional coverage

Conditions that cause flooding in New York – such as heavy rain, rising rivers, and severe coastal weather – can happen anywhere throughout the state. This means in more expensive cities such as NYC where the median listing home price in New York, NY was $799K in July 2023, – properties may not be fully covered.

As a leading general agent, New York Flood Insurance provides enhanced coverage options. With access to our private carriers, we can offer the same basic policy as the NFIP, but with more coverage options and with better competitive yearly premiums. Why choose us for your New York Flood Insurance for your private/excess policy?

Private Carrier Options

Up until recently, it was up to the mortgage lender to decide what type of flood insurance was needed (usually through the NFIP) for your home – even though private carriers were able to provide alternate or better flood insurance coverages and quotes. Now – you have that choice.

Since private carrier flood insurance policies are market-based, they can possibly be more competitive in price than those offered through the NFIP (depending on the coverage you need and the zone your home/property is in). At New York Flood Insurance, we understand the importance of having the right protection from floods that are associated with hurricanes, rising rivers, heavy rains and other conditions that impact that state of New York. We also understand the importance of having more than one option – which is what we strive to provide you.

A few of our Private Carriers include:

NFIP Flood Policy

(Available For All Zones)

One rate, no matter where you go

With one in five flood insurance claims coming from a moderate- to low-risk area, we believe everyone should be able to get flood insurance that is reliable, affordable and accessible. Texas Flood Insurance can help you obtain your policy through the government backed National Flood Insurance Program (NFIP). Unlike other insurance policies you might have, flood insurance offered through the NFIP will cost the same no matter where you get it. This means that even though the government determines your coverage and premium, we can still write your policy for you. Why choose Texas Flood Insurance for your NFIP policy?

  • Coverages up to $$$$K
  • Excess coverage options available
  • Write your own policy with an experienced agent
  • State-wide claim support with fast turn-around
  • Backed by the Federal Government
  • Quick and easy online quoting process
Blue hour in New York

Excess Flood Insurance

When your flood policy isn’t enough

Excess flood insurance provides insurance limits above and beyond a primary policy – whether written through the NFIP or a private carrier. Most homeowners that need flood insurance write it through the government backed NFIP. However, NFIP policies only offer a maximum coverage of $250,000.
Therefore, if it costs more than $250,000 to replace or repair your home, a standard NFIP flood policy won’t be enough. Having excess flood insurance would increase your standard coverage up to an additional $10MM.

That means buying:

  • A federal or private policy worth $250,000 and
  • An excess flood insurance policy for the additional coverage needed

Excess Flood limits vary based on the state you’re in, so ask your Texas Flood Insurance agent for more details.

National Flood Insurance Program (NFIP)

The Federal Emergency Management Agency (FEMA) (a government backed program) administers the National Flood Insurance Program (NFIP). The NFIP works closely with many insurance companies and MGAs, such as Texas Flood Insurance, to offer flood insurance to homeowners, renters, and business owners.

New York Flood Insurance provides extensive knowledge of both flood insurance and current National Flood Insurance Program (NFIP) legislation. Our dedicated agents are happy to assist you with all of your flood insurance needs, including addressing any questions or concerns. As direct representatives of FEMA, New York Flood Insurance can process all flood insurance policies through the NFIP.

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