Affordable Flood Insurance Quotes | Orbit Insurance Services

Protecting your property

What coverages can I get for my Flood Insurance?

Flood insurance is crucial because standard homeowners or renters policies exclude water damage from outside flooding. Make sure your building and belongings are secure.

Building Property Coverage

Covers damage to the building's core structure, including the foundation, walls, floors, and roof, resulting directly from flood-related incidents or storm surges.

Contents Coverage

Protects personal items within your home from flood damage. This includes furniture, electronics, clothing, and other valuables that would otherwise be out-of-pocket expenses.

Flood-Related Loss of Use

Provides financial support for temporary living expenses (like hotels and food) if your home is rendered uninhabitable due to severe flood damage.

Basement Coverage

Covers structural elements and essential equipment in the basement (like furnaces and water heaters), though it often has strict exclusions for personal furniture in subterranean levels.

Appliance & System Coverage

Protects major household appliances, including refrigerators, washers, dryers, and built-in systems against damage caused directly by rising floodwaters.

Electrical & Plumbing Systems

Protects against damage to electrical wiring, breaker panels, and plumbing systems/fixtures that are heavily impacted or contaminated by floodwaters.

Why Orbit

Why Orbit is the best choice for Flood Insurance?

Competitive Rates

We navigate both NFIP (National Flood Insurance Program) plans and private flood insurance options to find the most affordable rate for your specific flood zone.

Industry Expertise

Our agents understand complex FEMA flood maps, elevation certificates, and exactly what coverage mortgage lenders require to close your loan.

Customizable Options

Whether you need coverage for a high-risk coastal property or just want peace of mind in a low-risk zone, we tailor the limits to your exact needs.

Online, Phone, or In-Person

Purchase your flood policy conveniently — start your quote instantly online, finalize details over the phone, or sit down with an expert locally.

Talk to a flood expert today

An Orbit agent is ready to help you safeguard your home against rising waters. Make sure your property is fully protected before the next storm hits.

Speak with an Expert

The basics

What is Flood Insurance?

Flood insurance is a specialized policy that protects against damage caused specifically by rising water from outside the home. While standard homeowners insurance covers internal water damage (like a burst pipe), it strictly excludes damage caused by heavy rain, hurricanes, storm surges, and overflowing bodies of water. That's why purchasing a dedicated flood insurance policy is essential.

Flood insurance provides financial protection to help cover the costs of repairing or reconstructing your home's foundation, walls, and essential systems. Without flood insurance, property owners are forced to pay for their damages out of pocket, as federal disaster assistance is often structured as a loan that must be repaid. If you live in a flood-prone area, or even a moderate-risk zone, this coverage is vital.

Factors That Impact Your Rates

FEMA Flood Zone: Properties in High-Risk Special Flood Hazard Areas (SFHA) naturally face higher premiums.
Elevation: The elevation of your property relative to the Base Flood Elevation (BFE) greatly impacts your cost.
Property Value & Construction: The cost to rebuild your home and the materials used in construction influence the coverage limits needed.
Flood History: Previous flood claims on the property can signal a higher continuing risk to underwriters.

Good to know

Frequently asked questions & Requirements

If your home is situated in a high-risk flood zone (designated by FEMA) and you have a mortgage from a federally-backed or regulated lender, you are legally required to purchase flood insurance. However, it is highly recommended for all homeowners, as over 20% of flood claims come from properties outside high-risk zones.

It is highly subjective. The national average cost is approximately $819 annually, but whether your insurance is expensive depends on your property's location, its flood zone classification, the elevation, and your chosen coverage limits. Low-to-moderate risk zones have much cheaper premiums.

Flood insurance premiums for a personal residence are usually not tax-deductible. However, if your property is used for rental or commercial business purposes, your premiums may be categorized as a deductible operating expense. Consult a tax professional for guidance.

Yes, flood insurance (especially NFIP policies) can often be transferred to a new owner if you sell your property. This process, known as policy assumption, allows the new owner to retain the existing policy and its locked-in rates, which can be a huge selling point.

To generate an accurate quote, you will need to provide:

Property Details: Exact address, square footage, and year built.
Flood Zone Info: FEMA flood zone designation (an Elevation Certificate may be required for high-risk zones).
Building Information: Construction type, foundation type (e.g., slab vs. crawlspace vs. basement).
Coverage Needs: Desired limits for the building property and contents.

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