Flood Insurance
Protect What’s Underwater Before It’s Too Late
Flood Insurance in New York
Flooding doesn’t just happen to people living near the coast. In New York, flash floods, heavy rainfall, melting snow, and backed-up storm drains can turn any home or commercial property into a disaster zone — fast. And if you think your standard homeowners or business policy covers it?
It doesn’t. Flood damage is specifically excluded in almost all traditional property insurance policies.
At United Coverage, we help New Yorkers close that gap — the right way, with real support, and without surprises.
🛡️ What Is Flood Insurance?
Flood insurance is a separate policy designed to protect property owners from losses caused by water damage due to flooding.
It covers both the structure of your building and the contents inside — whether you own a home, run a business, or manage investment property.
Flood insurance is primarily available through:
The National Flood Insurance Program (NFIP), backed by FEMA
Private flood carriers, which can sometimes offer higher limits, quicker underwriting, or additional flexibility
🏚️ What Does Flood Insurance Cover?
There are two core components to flood insurance, and you can buy one or both:
Building Property Coverage
Protects the physical structure of your home, business, or rental property. This includes:
• Foundation, walls, and support systems
• Plumbing, wiring, HVAC units
• Water heaters, furnaces, and fuel tanks
• Built-in cabinets and permanently installed appliances
• Detached garages (limited coverage)
Maximum Coverage:
• Up to $250,000 for residential buildings
• Up to $500,000 for commercial buildings
Contents Coverage
Covers the things you own inside the building, including:
• Furniture, electronics, and appliances
• Personal belongings and valuables
• Business inventory and equipment
• Rugs, curtains, and other soft contents
Maximum Coverage:
• Up to $100,000 for residential contents
• Up to $500,000 for commercial contents
⚠️ What’s Not Covered:
Even flood insurance has its limits. Typical exclusions include:
•Temporary housing or loss of use
•Property in basements below grade (limitations apply)
•Landscaping and exterior features
•Cars (covered under auto insurance if comprehensive is in place)
We’ll walk you through what’s covered and what needs additional solutions — no guesswork, no fine print.
📍 Who Needs Flood Insurance?
The real answer? Almost everyone.
You need flood insurance if:
- You own or lease a property in a FEMA-designated flood zone (mandatory with a federally backed mortgage)
- You live in Long Island, NYC boroughs, Hudson Valley, or any coastal/low-lying areas
- You’ve experienced water damage in the past
- You’re in an area with outdated storm drains or seasonal snowmelt
Even if you’re outside of a high-risk flood zone, you’re not off the hook:
Over 25% of flood claims come from properties outside of FEMA high-risk areas.
Average residential flood claim: $30,000+
How Much Does Flood Insurance Cost?
Flood policy pricing depends on:
- Location and flood zone designation
- Property elevation and foundation type
- Prior flood claims or loss history
- Coverage limits selected (building + contents)
- Whether you’re buying through NFIP or a private market
Typical Ranges:
- Low-risk zones (Preferred Risk): ~$350–$600/year
- Moderate to high-risk zones: $900–$2,500/year
- Private flood policies: More flexible, sometimes more cost-effective — or more comprehensive
We’ll help you compare both NFIP and private market options and choose the best fit.
Why Choose United Coverage for Flood Insurance?
Let’s be honest — flood insurance is complicated.
NFIP paperwork, zone designations, elevation certificates, replacement cost vs actual cash value — it’s not something you want to DIY off a random quote site.
At United Coverage, we offer:
- Guided enrollment with NFIP and private carriers
- Risk reviews to identify exposures other brokers miss
- Bundling strategies to reduce your total insurance costs
- Expert help during claims — we don’t disappear after the sale
- New York expertise — coastal, inland, and urban flooding exposures
We don’t sell coverage — we build protection.
📝 Get a Flood Insurance Quote Today
Don’t wait until you’re ankle-deep in water or fighting with FEMA over recovery grants.
Let’s review your property, identify your risks, and put the right policy in place — before the next storm hits.
📍 Based in New York | Licensed Statewide | Fast Quotes | Expert Support
Let’s Talk Coverage That Works
