Flood Insurance | AIM Associated Insurance Managers

Flood Insurance — Don't Wait Until It's Too Late

Flood damage is not covered by standard homeowners insurance. If your home floods without a separate flood insurance policy, you pay the full cost of repairs and replacement out of pocket.

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Why You Need Flood Insurance

Flooding can happen anywhere — not just in designated flood zones.

Common causes include:

Heavy rainfall
Hurricane storm surge
Snowmelt
New development that changes drainage in your area

Even homes on high ground or in dry climates have experienced flood losses.

What Does Flood Insurance Cover?

We offer flood insurance through FEMA's National Flood Insurance Program (NFIP), which provides:

Dwelling coverage up to $250,000
Personal property coverage up to $100,000

Private flood insurance and excess flood coverage are also available for higher coverage limits.

Important: The 30-Day Waiting Period

Most flood insurance policies require a 30-day waiting period before coverage takes effect. Do not wait until a storm is approaching. By then, it is too late to get covered.

Updated June 2026 by Christy Hogan