Flood Insurance
If you’re in a high-risk flood area, flood insurance is critical — but even outside designated flood zones, flooding can happen from poor drainage, storm runoff, or just a few inches of rising water. Your standard homeowners policy does NOT cover floods.
McDole Edge Insurance can find a plan through the NFIP or private carriers to fit your needs and budget.
Don’t wait until it’s too late. Get a flood insurance quote from McDole Edge Insurance in Manchester, AddressStateNameLong today.
Flooding is one of the most common and costly natural disasters, and it is not covered by a standard homeowners policy. A separate flood insurance policy protects your home and belongings from rising water. Here is what homeowners should know.
Building Property Coverage
This covers the physical structure of your home and its essential systems — foundation, electrical and plumbing, heating and air conditioning, water heaters, and permanently installed fixtures, cabinets, and flooring.
Personal Property (Contents) Coverage
Purchased separately from building coverage, contents coverage protects belongings such as furniture, clothing, electronics, and appliances that are not permanently attached to your home.
Does homeowners insurance cover flood damage?
No. Standard homeowners policies exclude damage caused by flooding. You need a separate flood insurance policy to be protected against rising water.
Is flood insurance required?
No state requires flood insurance by law, but lenders generally require it for homes in a high-risk flood zone (a Special Flood Hazard Area). It is worth considering even outside those zones.
Where can I buy flood insurance?
Flood coverage is available through the National Flood Insurance Program (NFIP), administered by FEMA, and through private flood insurers. As an independent agency, we can help you compare your options.
Is there a waiting period before coverage starts?
NFIP policies typically have a 30-day waiting period before coverage takes effect, so it is important not to wait until a storm is in the forecast to buy a policy.
Do I need flood insurance if I am not in a high-risk zone?
Possibly. A significant share of flood claims come from moderate- to low-risk areas, where coverage is usually less expensive. Any property can flood.
Flood Insurance — Coverage Can Include:
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Structure/building damage -
Personal contents -
Additional living expenses -
Basement flood coverage -
Drainage overflow protection -
NFIP-backed plans -
Private flood options -
Fast claims response
Understanding your flood risk is the first step. Use the FEMA Flood Zone Tool to check your property: FEMA Online Flood Zone Search Tool