Your homeowners policy does not cover flood. We compare National Flood Insurance Program (NFIP) and private flood options to protect your home, belongings, and business from rising water.
North Mississippi sees intense spring storms and heavy rainfall that can overwhelm creeks, drainage ditches, and low-lying roads in a matter of hours. Homes near rivers, reservoirs, and bottomland are at risk, but so are properties miles from any mapped flood zone. Flood insurance is the only way to cover that damage.
Foundation, walls, electrical and plumbing systems, HVAC equipment, water heaters, built-in appliances, permanently installed carpet, and cabinetry.
Furniture, clothing, electronics, portable appliances, and other personal belongings damaged by floodwater. Contents coverage is purchased separately from building coverage.
Renters can buy contents-only flood coverage to protect their belongings, even though the landlord insures the building.
Protection for business buildings, inventory, and equipment. Business owners can pair it with commercial property coverage for a more complete plan.
Higher limits than NFIP for higher-value homes, plus options that may include features like additional living expenses. Availability varies by property.
NFIP flood policies generally have a 30-day waiting period before coverage begins. The best time to buy flood insurance is before storm season, not when heavy rain is on the radar. Read our Mississippi flood insurance guide →
We Compare Rates Across 15+ Top-Rated National Carriers
As an independent agency in Oxford, MS, we shop the market to find you the strongest policy at the lowest premium.
Common questions about flood coverage, flood zones, and waiting periods in Mississippi.
No. Standard homeowners and renters policies exclude damage from rising surface water, overflowing rivers and creeks, and flash flooding. To protect your home and belongings from flood, you need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood carrier.
Yes. NFIP flood policies generally have a 30-day waiting period before coverage takes effect. Exceptions apply in certain cases, such as when flood insurance is purchased in connection with closing on a mortgage loan. Some private flood policies have shorter waiting periods. Don't wait until a storm is in the forecast to buy coverage.
It's not legally required outside high-risk zones, but it's strongly worth considering. According to FEMA, more than 20% of NFIP flood claims come from properties outside high-risk flood zones. Policies for homes in moderate- to low-risk areas are often much less expensive.
NFIP residential policies offer up to $250,000 in building coverage and up to $100,000 in contents coverage. If your home's replacement cost is higher, we can look at private flood or excess flood options that offer higher limits.
You can look up your address on FEMA's Flood Map Service Center (msc.fema.gov), or simply call us. We'll check your flood zone, explain what it means for your premium and lender requirements, and quote NFIP and private flood options side by side.
