Protect What Matters Most—Your Home, Your Belongings, Your Peace of Mind
Flooding is one of the most common and costly natural disasters in the U.S.—yet many homeowners are unaware that standard home insurance does not cover flood damage. Whether you live near a coastline, a river, or in a low-risk zone, flood insurance provides essential financial protection for your property and peace of mind when severe weather strikes.

At Mallory Agency, we offer tailored flood insurance solutions backed by decades of experience. Our team works with both the National Flood Insurance Program (NFIP) and private flood insurers to provide the right coverage for your home, your belongings, and your budget.
Why Flood Insurance?
Even if you’re not in a flood zone, nearly 20% of flood claims occur outside high-risk areas. Floods from heavy rain, hurricanes, and overflowing waterways aren’t covered under standard homeowners or renters policies. Flood Insurance ensures:
- Coverage for structural damage to your home
- Protection for personal property—furniture, electronics, clothing
- Options for additional living expenses if your home becomes uninhabitable
Who Needs It?
- Homeowners in federally designated flood zones (highly recommended or required by mortgage lenders)
- Homeowners outside flood zones but seeking added security
- Renters wanting to safeguard personal property from flood damage
Why Choose Mallory Agency?
- Personalized Risk Assessment
We evaluate flood risk using your flood zone, elevation, and local water trends. - Competitive Options
Access to both National Flood Insurance Program (NFIP) and private flood markets. - Expert Guidance
We help you understand deductibles, policy limits, and compliance needs. - Seamless Claim Support
Outstanding advocacy before, during, and after a claim.
How It Works
- Free Consultation – We'll determine your flood risk and coverage needs.
- Policy Shopping – Compare NFIP vs. private-market policies.
- Answer Questions – We’ll help you navigate policy specifics and pricing.
- Secure Coverage – We'll guide you through underwriting and premium payments.
- Ongoing Service – Annual review to confirm alignment with your home's value and updated risk.
Common Questions About Flood Insurance
Is flood insurance required?
Mortgage lenders usually require it if your home’s in a 100-year floodplain.
How long does it take to get a policy?
NFIP policies generally take 30 days before effective—private markets may be faster depending on risk.
Can I buy it if I’m outside a high-risk zone?
Yes, and most NFIP claims occur outside high-risk zones, making it a smart precaution.