Standard homeowners insurance doesn’t protect against flooding — which means you could be at risk from hurricanes, tropical storms, heavy rains, and other flood-related events. Protect your home and your peace of mind with specialized flood insurance designed to cover these unique risks. If you want, I can expand this into a full, high-impact paragraph or web-ready section that clearly explains the importance of flood insurance and encourages action. Do you want me to do that?

Protect Your Property from Flood Damage

Floods aren’t covered by standard homeowners insurance — yet they can devastate your home, belongings, and business. That’s why specialized flood insurance is essential for homeowners, renters, and business owners in participating communities.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help property owners financially protect themselves. Communities that participate in the NFIP agree to adopt and enforce floodplain regulations that meet or exceed FEMA standards, reducing the overall risk of flooding.

Learn more about The NFIP Partnership and how it can safeguard your property.

What Flood Insurance Covers

Flood insurance protects two types of insurable property:

Building Coverage

Covers your home or business structure, including:

• The building and its foundation

• Electrical and plumbing systems

• Central air conditioning, furnaces, and water heaters

• Refrigerators, stoves, and built-in appliances like dishwashers

• Permanently installed carpeting over unfinished flooring

Contents Coverage

Covers your personal belongings, including:

• Clothing, furniture, and electronics

• Curtains and portable/window air conditioners

• Portable microwaves and dishwashers

• Non-permanent carpeting

• Washers and dryers

Land itself is not covered by flood insurance.

How Flood Claims Are Valued

Flood claims are typically reimbursed using:

• Replacement Cost Value (RCV): The cost to replace damaged property, available for single-family, primary residences insured to at least 80% of the building’s replacement cost.

• Actual Cash Value (ACV): RCV minus physical depreciation, used for all other buildings and personal property. Personal property is always valued using ACV.

Get the Right Flood Protection

Flooding can happen anywhere, and the right coverage can make all the difference. Horton Insurance Agency, Inc. will help you identify the best combination of coverage, value, and price to protect your property and peace of mind.

Call 619-465-9100 or contact us today to get started.