Flood Insurance

Separate Protection for Your Home

Why Flood Insurance Matters

Flooding isn't covered by homeowners insurance-a separate flood insurance policy is needed, whether you're in a mapped flood zone or just want extra peace of mind. Gateway Insurance can help homeowners understand their risk, compare NFIP and private flood policies, and meet lender or mortgage requirements with ease.

How Flood Insurance Works & What It Protects

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Building Coverage

Repair or replace your home's structure if it's damaged by flooding from heavy rain, river overflow, or rapid snowmelt.

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Contents Coverage

Policy endorsements can protect your furniture, electronics, appliances, and belongings from water damage.

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Optional Endorsements

Some private policies may offer additional coverage for basements, finished rooms, or extra living expenses.

Flood insurance is available through the federally backed NFIP (National Flood Insurance Program) and select private insurers. Gateway will explain options that are available and help you select the right fit.

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Is Your Property at Risk? Understanding Flood Zones and Maps

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River corridors, low-lying neighborhoods, and areas with poor drainage are higher risk.

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Use FEMA's Flood Insurance Rate Maps (FIRMs) and county resources to check if your home is in a designated floodplain or has drainage/ice-jam concerns.

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Lenders may require flood insurance for mortgages on properties in FEMA flood zones.

What to Know Before You Buy Flood Insurance

  • Does homeowners insurance cover flooding?

    No-flooding is excluded from standard homeowners and renters policies.

  • Do I need flood insurance if I'm not in a flood zone?

    Flooding can happen anywhere-more than 20% of flood claims are outside mapped floodplains. Coverage is available for most properties, with lower premiums in moderate/low-risk zones.

  • How does NFIP flood insurance work?

    The NFIP sets rates and coverage is based on your property's risk zone, with a maximum coverage limit. Gateway coordinates the application and paperwork.

  • Is there a waiting period for flood insurance?

    Yes-flood insurance generally has a 30-day waiting period before coverage starts.

  • Where can I find flood maps for the county I live in?

    Use FEMA's map portal or contact local floodplain administrators for site-specific info.

What We'll Need for a Flood Policy

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Property address (to check FEMA/FIRM status)

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Desired building and contents limits

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Lender/mortgage requirements (if applicable)

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Details on finished basements, outbuildings, or special risks

Gateway reviews your risk, explains the steps, and compares NFIP and private options so you can make a good decision based on your location and budget.

Local Guidance about Flood Policies

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Map questions answered locally by our team

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Guidance on FEMA zones, NFIP eligibility, and waiting period

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Help coordinating with your lender, mortgage, or real estate agent

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Option to review and compare private flood policy alternatives for your needs

Get Flood Coverage That Fits Your Property & Risk

Don't wait until the river rises-protect your home or rental with the right flood insurance for your area. Gateway Insurance reviews all your options, explains what's covered, and help you make an informed decision on a flood policy for your property's risk area.