Get A Quote For Maryland and Pennsylvania Flood Insurance
Safeguarding your home in Maryland or Pennsylvania against flooding is crucial, which is why flood insurance is a smart choice. Flooding can happen in areas deemed low-risk, triggered by intense rainfall, snowmelt, hurricanes, or drainage systems that can't handle the volume. Flood insurance offers reassurance by covering repair expenses and replacing damaged items, as typical homeowners and renters policies often do not include flood-related damages. It’s vital to obtain separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. Evaluate your flood risk now and invest in the appropriate coverage to protect your property and financial well-being.
To take the first step towards peace of mind, please fill out the form below as completely as possible. Once finished, click the Submit button, rest assured that your request will be handled promptly.
How Maryland & Pennsylvania flood insurance works
You may be surprised to learn that your property insurance doesn’t cover flood damage. That’s because flood insurance policies are generally purchased separately through government programs.
Most flood insurance coverage is offered by the National Flood Insurance Program.
What Maryland & Pennsylvania flood insurance covers
Available to Maryland & Pennsylvania homeowners, condo owners, landlords, business owners and renters, flood insurance may cover:
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Furniture, clothing and other belongings
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Certain cleanup expenses
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Damages to your heating and cooling system
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Repair or replacement of flooring
How much does Maryland or Pennsylvania flood insurance cost?
The price of flood insurance can fluctuate based on several key factors, including:
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First and foremost, your level of flood risk. Properties situated in regions prone to flooding typically face higher insurance premiums.
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The value of the belongings you wish to safeguard with your flood insurance policy.
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The nature of the property being insured, whether it’s your primary residence, a commercial property, or a vacation home.
What to do if your Maryland or Pennsylvania home floods?
Put safety first. In the event of extreme flooding, get out. And seek a safe location immediately.
File an insurance claim by contacting Downes Insurance.
Before you re-enter your home, make sure the building is structurally sound and not in danger of collapse.
Who is at risk?
Most properties.
Flooding can happen just about anywhere it rains or snows. Nearly one-third of NFIP flood insurance claims occur outside high flood risk areas.
How can I understand my risk?
Regardless of your location or workplace, there is always a potential risk of flooding. Flood maps illustrate the likelihood of flooding within a community. They specifically detail the flood zones, the boundaries of floodplains, and the base flood elevation for that area.
Why get flood insurance?
Flooding can occur wherever it rains, and no residence is entirely immune to such events. Regrettably, numerous property owners discover too late that their homeowners insurance does not include flood coverage.
Peace of mind
No residence is entirely immune to the threat of flooding. As the most frequent and expensive natural disaster, flooding accounts for 90% of all natural disasters declared by the U.S. president. Having flood insurance can be crucial in determining whether you recover or face severe financial hardship.
Every property carries some level of risk. Flooding can occur unexpectedly, regardless of location. Factors such as inadequate drainage, summer storms, snowmelt, nearby construction, and ruptured water mains can all lead to flooding.
32% of claims
Nearly one-third of NFIP flood insurance claims come from OUTSIDE high-risk flood areas.
Faster recovery
Rebuilding after a flood can be difficult. If you have flood insurance, you don’t have to go through it alone.
It might be required
Many property owners, particularly those in high-risk flood areas, may be required to have flood insurance.
Homeowners insurance doesn’t cover floods
Most homeowners insurance does not cover flood damage. Only flood insurance covers the cost of rebuilding after a flood.