Flood insurance protects two types of insurable property: building and contents. Building insurance covers the structure itself and property insurance covers the property contained within the structure at the time of the flood damage. You may request a quote for either of these insurance categories from this website.

You can purchase flood coverage at any time. There is a 30-day waiting period after you've applied and paid the premium before the policy is effective (unfortunately no monthly payments are available), with the following exceptions:

• If the initial purchase of flood insurance is in connection with the making, increasing, extending, or renewing of a loan the coverage becomes effective at the time of the loan, provided application and presentment of the premium is made at or prior to loan closing.
• If the initial purchase of flood insurance is made during the one-year period following the issuance of a revised flood map for a community, there is a one-day waiting period.

Flood insurance under the National Flood Insurance program from F.E.M.A is available to protect homes, condominiums, apartments and nonresidential buildings, including commercial structures.

A maximum of $250,000 of building coverage is available for single family residential buildings. The limit for contents coverage on all residential buildings is $100,000, which is also available for renters. Commercial structures can be insured to a limit of $500,000 for the building and $500,000 for the contents. Residential Condominium buildings can be insured for their full replacement cost.