Standard home insurance doesn't cover floods. Make sure you're protected.
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One of the most common and costly surprises Georgia homeowners face is discovering — after a flood — that their standard home insurance policy does not cover a single dollar of flood damage. Flood is explicitly excluded from virtually all homeowners policies. If rising water, storm surge, or overland flooding damages your home, you need a separate flood insurance policy to be protected.
The National Flood Insurance Program (NFIP) has long been the primary source of flood coverage and is required by most lenders for homes in high-risk FEMA flood zones. Private flood insurance has grown significantly as an alternative — often offering higher coverage limits, broader definitions of flood, replacement cost on contents, and faster claims resolution. Brannon shops both NFIP and private flood carriers to find the best option for your home and budget.
Bartow County includes portions of the Etowah River watershed and flood plain areas around Lake Allatoona. Even if you are not in a FEMA-designated Special Flood Hazard Area, roughly 25% of all flood insurance claims come from properties in low-to-moderate risk zones. Just a few inches of water inside your home can cause $25,000 or more in damage — and it does not take a hurricane to get there.
Standard flood policies have a 30-day waiting period before coverage takes effect — so now is the time to act. Fill out the form above and Brannon will compare your flood options promptly.
No. Flood damage is specifically excluded from standard homeowners policies. Flood insurance is a separate policy available through the National Flood Insurance Program or private flood carriers.
It is required by lenders if your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage. Even outside high-risk zones, flooding is the most common natural disaster in Georgia, and 25 percent of NFIP claims come from moderate-risk areas.
NFIP policies average to ,200 per year in Georgia, though rates vary significantly by elevation, flood zone, and property type. Private flood carriers sometimes offer lower rates or broader coverage for properties that do not qualify for the best NFIP pricing.
NFIP policies have a 30-day waiting period before coverage begins, with limited exceptions for loan closings. Private carriers may have shorter waiting periods. Do not wait until a storm is forecast to purchase coverage.