Flood damage due to heavy rains, rising rivers and tidal surges is a potential cause of significant loss which is NOT covered by Dwelling or Homeowners insurance.  Flood Insurance is determined by the NFIP, National Flood Insurance Program, and guaranteed by the US Government.  Ringler Insurance represents several companies that administer policies under the NFIP.  There are specific upper limits of Flood Insurance available with the NFIP, hence the possible need for Excess Flood coverage, ask for details.  All homes are susceptible to Flood damage not just homes in designated Flood Zones

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