Southern Farm Bureau Flood Insurance
    

You don't have to live near water to become a flood victim.  In fact, everyone lives in a flood zone.  It's just a matter of how likely it is a flood will hit your home. And unfortunately, floods are the most common natural disaster.

Floods can happen anytime, anywhere. Between 25 and 30 percent of all claims paid by the NFIP are for policies in low risk areas. Buildings in areas with the greatest risk of flooding, called Special Flood Hazard Areas (SFHAs), have a 26 percent chance of being flooded during a 30-year mortgage.

Most homeowner and commercial insurance policies do not cover floods. However, you can get flood insurance for your home or business if your community participates in the National Flood Insurance Program. There are over 18,000 communities in the United States now participating in this program. To find out how much your flood insurance policy would cost, we must first determine your home's flood zone. Use the online Flood Zone Finder to determine the risk level for your home or business. Then, complete the questionnaire and we will send you an estimated cost of coverage.

The rates and premiums provided in the estimated cost of coverage are based on rules and rates provided by the National Flood Insurance Program. The coverage afforded is in 3 separate policy types, depending upon the occupancy of the building:

  1. The Dwelling Form - Policy issued to insure a building and/or residential contents on a single family or a 2-4 family dwelling.

    Preferred Risk Policy (PRP) – The rates for a PRP are lower than other dwelling rates. This is package Dwelling Form policy offering nine coverage combinations for both building and contents at a fixed premium. It is available only to owners of 1-4 family residential buildings located in B, C, and X Zones that meet eligibility requirements based on an entire flood loss history of the dwelling.
     

  2. The General Property Form - Policy issued to insure a building and/or contents on other residential or non-residential buildings.
     

  3. The Residential Condominium Building Association Form (RCBAP) - A policy designed to insure, under one master policy, the entire residential condominium building, including all units within the building. It is available only to residential condominium associations.