Flood Insurance

Your Homeowner’s Policy does NOT cover flooding!

Since congress created the National Flood Insurance Program (NFIP), flood insurance has been managed on the local level by the adoption and enforcement of ordinances that meet or exceeds FEMA requirements to reduce the risk of flooding. This includes the adoption of a Flood Insurance Rate Map (FIRM) that establishes zones of risk and elevation requirements for new construction.

  • If it rains where you live or do business, you can have a flood.
  • There are preset coverage limits based on value, location and property type.
  • If the elevation of your home is greater than the base flood elevation (BFE), there could be a substantial premium savings.

The Flood Elevation Certificate (FEMA form 81-31) is an important tool of the National Flood Insurance Program. It calculates the difference in elevation between the base flood elevation of your community, and your home.

Request A Flood Insurance Quote

We have the markets for this valuable coverage!

The cost is reasonable, with a FEMA Preferred Rate for $250,000 Building and $100,000 contents at only $365.00 per year. Get a FAST and FREE Quote By Phone or use the quick quote form!

  • We have FEMA / NFIP Standard Flood Insurance.

Depending on your policy, FLOOD INSURANCE can cover your:

Building & Property such as:

  • Structure and Foundation
  • Plumbing & Electrical Systems
  • HVAC such as Central A/Conditioning Equipment, Furnaces & Hot Water Heaters
  • Built-in Appliances such as Dishwashers Refrigerators and Stoves
  • Non-removable Carpeting
  • Permanently Installed Bookcases & Cabinets
  • Window Blinds
  • * and more

Content coverage can include items such as:

  • Personal belongings such as clothing, furniture, and electronics
  • Drapery
  • Movable items such as air conditioners and countertop microwaves
  • Washers and Dryers
  • Freezers and food contents
  • Valuable Items (limits apply)

Knowing a little about Flood Insurance just isn’t enough

Maps are periodically updated to accurately reflect the latest risk of flooding.

New York’s FIRM is sometimes in a state of flux when the City appeals FEMA’s findings. When a property is located in a flood zone, the property owner is required to purchase flood insurance. Determining your rate for flood insurance requires a professional understanding of the NFIP, its various rate tables and the current standing of appeals by the state of New York.

Currently, NFIP/FEMA has instituted changes that could directly impact flood insurance policy holders. These changes include NFIP improvements to the claims appeals process and a host of National Flood Insurance Program Reforms.

For nearly two years, FEMA has worked towards an overhaul of the National Flood Insurance Program (NFIP), which focuses on reform, litigation settlement and claims review. Ultimately, FEMA is working towards removing barriers to improve the overall customer experience delivery of the flood insurance program. FEMA has proposed amendments to specific regulations as well as a few administrative ‘adjustments’ to the National Flood Insurance Program Write Your Own (WYO) Program to facilitate a more efficient and responsive approach to meeting policyholder needs. Your Hastava Insurance Agent will provide the clarity necessary to secure the coverage you need as well as helping you navigate the claims process in the event of a covered loss.

Ask the professionals

Your Hastava Insurance Agent can walk you through the maze of choosing flood insurance. From preferred risk to standard-rated policies, subsidized rates to full-risk rates, as well as an explanation of elevation certificates and so much more, we’ll take the time to answer your questions and provide the most appropriate policy to meet your specific needs.