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Flood and Excess Flood Insurance Solutions
Tailored Flood Insurance Coverage for Protection and Peace of Mind
Flooding can occur suddenly and without warning — from flash floods and river overflows to heavy rain, storm surge or melting snow. Properties carry some degree of flood risk, regardless of location. As flood events become more frequent and severe, assessing your property’s exposure and incorporating flood insurance into your overall risk management strategy is essential.
Flood protection is not included in a standard homeowner’s policy. Brown & Brown’s Private Client specialists help you evaluate your specific flood risks and identify coverage that reflects your property, location, and lifestyle. Whether you live on the coast, near inland waterways, or far from a known flood zone, flood insurance can provide critical protection.
Understanding Flood Insurance Coverage Options
Flood insurance is available through the National Flood Insurance Program (NFIP) and private flood carriers. Private flood coverage is written by insurance companies that are not part of the federal government flood program. In recent years, more carriers have entered the private flood insurance marketplace.
The private market addresses many of the gaps in NFIP flood insurance policies and can offer more options for customization of coverage and limits. For all types of flood insurance policies, coverage limits and premiums depend on multiple factors — including elevation, flood zone designation ,and property characteristics.
Flood insurance typically includes:
Building Coverage
Protects the physical structure of your home, including walls, floors, foundations, electrical and plumbing systems, HVAC units, built-in appliances, permanent fixtures, attached garages, and solar energy systems.
Contents and Valuables Coverage
Provides coverage for personal property such as furniture, electronics, and household items. Coverage options and limits differ widely between private flood policies and NFIP policies. For example, private flood policies can extend to high-value belongings — including fine art, collectibles, jewelry, high-end electronics, and custom furnishings — and may include repair, restoration, or replacement protection.
Brown & Brown Private Client specialists can help clarify when flood coverage applies, how losses are valued, and which types of flood policies best suit your property and assets.
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Building Coverage
Protects the physical structure of your home, including walls, floors, foundations, electrical and plumbing systems, HVAC units, built-in appliances, permanent fixtures, attached garages, and solar energy systems.
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Contents and Valuables Coverage
Provides coverage for personal property such as furniture, electronics, and household items. Coverage options and limits differ widely between private flood policies and NFIP policies. For example, private flood policies can extend to high-value belongings — including fine art, collectibles, jewelry, high-end electronics, and custom furnishings — and may include repair, restoration, or replacement protection.
Brown & Brown Private Client specialists can help clarify when flood coverage applies, how losses are valued, and which types of flood policies best suit your property and assets.
What Flood Insurance Typically Excludes
Flood insurance provides broad protection but has defined limits. Some items excluded under NFIP policies may be covered under private flood options. Your Brown & Brown advisor can review these exclusions with you and coordinate alternative coverage to help close potential gaps.
Flood policies generally do NOT cover:
- Landscaping, pools, patios, decks, or other outdoor structures
- Vehicles and their components
- Physical money, precious metals, or stock certificates
- Business interruption or loss of income
- Sewer backup not caused by flooding
- Burst pipes or internal plumbing issues
Proactive Flood Risk Management and Annual Coverage Review
Flood risk evolves over time due to changing weather patterns, updated FEMA maps, and local development. Brown & Brown’s Private Client specialists provide proactive guidance to help you assess and mitigate these exposures. From elevating critical systems and installing flood sensors to maintaining current appraisals and reviewing mitigation credits, you gain actionable insight into protecting your home before a flood occurs.
Reviewing your flood insurance annually is key to maintaining comprehensive protection. Your Brown & Brown advisor can help you evaluate flood coverage in the context of your full insurance program to make sure limits, valuations, and deductibles remain aligned with your assets and priorities.
Excess Flood Insurance and Layered Coverage Solutions
For high-value homes, standard flood coverage may not provide sufficient protection. Excess flood insurance extends coverage limits beyond what’s offered by the NFIP or a primary private flood policy, providing an added layer of security for significant assets.
Layered flood coverage combines a primary policy with an excess policy to protect against catastrophic loss. Brown & Brown’s Private Client team works with specialty insurers to help ensure your total coverage reflects the true cost of rebuilding your home and replacing its contents after a major flood.
Building Confidence With Brown & Brown’s Flood Insurance Solutions
Flooding is unpredictable, but your preparedness doesn’t have to be. With Brown & Brown, you gain more than flood insurance — you gain a trusted team focused on your long-term protection and peace of mind. Our specialists help you assess risk, align coverage, and strengthen resilience so you can move forward with confidence.
Additional Resources
A Comprehensive Guide to Flood Insurance: Essential Protection for Rising Flood Risks
Flooding is by far the most common, costly, and destructive natural disaster in the United States, causing billions in economic losses each year. According to the Federal Emergency Management Agency (FEMA), flooding causes 90% of disaster damage ...
The Importance of Flood Insurance For Homeowners
Floods are among the deadliest and costliest of common natural disasters. From growing populations in flood-prone areas to the impacts of climate change, the frequency and intensity of flooding events are on the rise. It is important to know that ...
Understanding Flood Risks & Flood Insurance
Flood risk is increasing in more places, and this guide helps explain how flood insurance works and where coverage may be worth considering beyond high‑risk zones.Explore Other Personal Lines Insurance Solutions
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Flood Insurance – Primary and Excess
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Private Collections Insurance
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Collections Insurance – Stamps, Coins, Gold
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Collector, Classic and Exotic Vehicles
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Group Excess Insurance
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Personal Lines Claims Services
Connect With Brown & Brown
Schedule a consultation with our Brown & Brown Private Client specialists to discuss flood and excess flood insurance options designed around your property and assets. Learn how Brown & Brown can help protect your home and lifestyle with tailored coverage and proactive risk management strategies.