Mississippi sits between two of the most flood-prone borders in the country.
Bordered by the Mississippi River and the Gulf, laced with bayous and backwater throughout. Flooding isn't a question of if. It's when. And the moment you wonder is already too late to act.
Standard policies don't cover it
Homeowners and renters insurance excludes flooding. You need a separate, dedicated policy, even if your lender hasn't told you.
There's a 30-day waiting period
Most flood policies don't take effect for 30 days after purchase. You cannot wait until a storm is in the Gulf.
Risk isn't where you think
A significant share of claims come from properties outside FEMA's designated flood zones. Anywhere it rains, it can flood.
What you can insure for
We work with both NFIP (federal) and private flood programs, and shop them against each other to land on the best rate for your situation.
Residential structures
Up to $250K through the NFIP. Private policies can exceed that limit when you need more.
Commercial property
Up to $500K through the NFIP for non-residential structures. Private options for higher limits.
Contents
Separate coverage for what's inside (furniture, equipment, inventory), distinct from your structure policy.
You probably do.
The short answer is almost everyone. The likelihood is higher if any of these apply:
Near water
A river, creek, bayou, ditch, or low-lying area within walking distance.
In an SFHA
FEMA-designated Special Flood Hazard Area. Your lender almost certainly requires coverage.
Prior flooding
You've experienced flooding before, even if it was just a few inches.
New development
Live in a rapidly developing area where new construction has changed drainage patterns.
Lender requirement
Your mortgage requires flood insurance. We'll make sure the policy actually fits the requirement.
Risk-averse
You don't fit any of the above, but you'd rather not gamble on the next storm season.
Two groups emerge.
FEMA assistance and SBA loans are not a substitute for proper coverage. They're a last resort, slow, and capped.
A long, hard road back
The road to recovery is long and difficult. Federal assistance and disaster loans may be available, but they come with limitations, and to qualify for future assistance you're typically required to buy flood insurance anyway.
Recovery begins immediately
A claims adjuster is assigned. Damage is assessed. Rebuilding begins. That peace of mind is exactly what we set up for you, today, before you need it.
Specialists, not generalists.
We're not a multi-line agency. Flood insurance is our entire focus, and that focus is the difference between a generic policy and the right one.
Focused
Flood insurance is all we do, every day, for every Mississippi family and business.
Mississippi-native
We understand every regional flood risk from the Delta to the Gulf Coast.
Independent
We shop NFIP and private flood markets to find the best fit for your property.
Don't wait for the next storm.
Most flood policies have a 30-day waiting period before they take effect. Find out where you actually stand today, before the water decides for you.