Standard homeowners insurance policies typically do not cover flood damage. Flooding caused by rising water — including heavy rain, storm surge, snowmelt, or drainage overflow — requires a separate flood insurance policy

Many homeowners assume flood insurance is only necessary in high-risk areas. In reality, flooding can occur almost anywhere, and even a few inches of water can lead to significant damage to your home and belongings.

Flood policies also work differently than standard insurance. Most include a 30-day waiting period, meaning coverage must be in place before a storm is on the horizon.

At Northeastern Insurance Agency, we help you quickly assess your property’s exposure and determine whether flood coverage makes sense based on your location, elevation, and overall risk.
It’s a simple step that can provide meaningful protection when it matters most.