New York Flood Insurance

Don’t Get Caught Without It

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We cover the flood insurance industry.

We don’t think about it much but, flooding is the most costly natural disaster every year for homeowners. It's also one of the most difficult to prevent or even predict. That’s why flood insurance is so important for all homeowners.

You don’t have to live in a flood zone to be susceptible to the ravages water can do to your home. The recent floods prove it’s not just homes on the ocean or near rivers that suffer from expensive flood costs.

Flooding Happens Everywhere

1. More Common Than Many Think

Flooding is the most common natural disaster in the U.S., and it’s not limited to coastal areas. About 25% of claims come from low- to moderate-risk zones, including parts of New York.

2. What Causes Flooding

Floods can result from hurricanes, heavy rain, snowmelt, or flash flooding. Just two inches of water can cause over $10,000 in damage.

3. What Flood Insurance Covers

Flood insurance covers direct physical loss from:

Overflow of inland or tidal waters
Surface water runoff
Mudflows

Flood damage is not covered by standard homeowners insurance and requires a separate policy.

4. Availability in New York

Flood insurance is available statewide, including Long Island for homeowners, renters, condos, and commercial properties through the NFIP, with coverage limits up to $250,000 for structures and $100,000 for contents.

What Our Customers Say:

Brooks-Waterburn Corp and its agents and staff understand the needs of small businesses like mine. They are always available when needed and their experts have answers to the many difficult questions owners may have. They were flexible when there was a glitch with my business account causing a payment to be 1 minute late and urged me to not stress at all which made me feel very valued. I have no experience filing a claim with the Firm, however I would expect nothing less than excellence based on each and every one of my past experiences with their knowable, courteous, and professional staff.

Jay T.

Customer Since 2019

Jay T.

Customer Since 2019

Get a quote:

(516) 997-9800

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New York Flood Insurance

We cover the flood insurance industry.

Flooding Happens Everywhere

1. More Common Than Many Think

2. What Causes Flooding

3. What Flood Insurance Covers

4. Availability in New York

What Our Customers Say:

Steve B.

Jay T.

Steve B.

Jay T.

Steve B.

Contact Us Today