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Washington Flood Insurance

 

Flood damage is not covered on most Washington State homeowner’s insurance policies.

Guidance in selecting the right coverage. We explain flood coverage options in clear, easy-to-understand language.

Competitive rates from the National Flood Insurance Program mean you always get the right coverage at a great price.

A local, dependable advocate who cares about your interest before, during, and after a flood claim. Hear a familiar voice every time you call.


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Most homeowner’s insurance policies in Washington State do not cover flood losses. Even if you live in a low flood probability area, such as a hill, a backed up storm draim could divert water onto your property and you would be stuck with thousands of dollars in uncovered damage.

Cascadia Agency offers flood protection through the National Flood Insurance Program (NFIP).  What is a flood?  According to NFIP, a flood is “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties, (one of which is your property) from overflow of inland or tidal waters, unusual and rapid accumulation or run off of surface waters from any source, or mudflow.” 

Should I buy flood Insurance?  Almost 25 percent of all flood insurance claims came from areas that were not considered high risk.  A single inch of water, which you may not think of as a flood, can cause thousands of dollars in damage to your home or business. Even if you live on a hill or in an elevated area, there is a chance that a major surface water event could significantly damage your home.