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All homes are in a flood zone, some are in high-risk areas and will be required by your lender and most are in low-risk flood zones, where the coverage is optional to purchase. While the coverage is optional it is still highly recommended because 25% of all flood losses occur in low-risk zones.

The pricing of flood insurance is contingent upon where you live, the extent of protection desired, and the type of property. Buoy Flood powered by Prosper Insurance, compares multiple top-rated insurance partners to find a rate that works best for your needs and budget.

A flood is an overflow of water that submerges land that is usually dry. The extent of flooding can vary from a few inches of water to several feet. Just 1 inch of water can cause 25k in damage. While it might not seem like that is a crazy flood, 1 inch can cause damage to your property.

ASAP, as there is typically a 30-day waiting period before coverage begins. Hurricanes, tidal flooding, and torrential downpours can happen in a moment’s notice, and you want to be covered before anything can happen and because of the 30 days wait, you don’t want to be up a creek without a paddle.

Floods can cause significant damage to your home and belongings, although flood insurance is excluded on home insurance, some insurance carriers will offer optional endorsements. The best way to protect your home is to purchase a separate policy which can provide financial protection and peace of mind in the event of a flood. It's important to note that even if you live in an area with low or moderate flood risk, you still may be at risk for flooding due to anywhere it can rain, it can flood.

To start comparing flood insurance in your area, visit buoyflood.com/getaquote. This form takes less than 3 minutes to complete, and the best news is that you’ll have multiple top-rated insurance partners to choose from and a licensed agent will be in contact with you to go over the differences to help you make the best choice for your property.