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Flood insurance you can count on

At National General Insurance, we believe that knowing your flood risk can help you better protect yourself and your property.
Consider these facts when you're shopping for flood coverage:
  • Everyone lives in a flood zone
  • Floods and flash floods happen in all 50 states
  • 25% of all flood claims are filed by people who live outside high-risk areas
  • In high-risk areas, a home is twice as likely to be damaged by a flood than a fire

Compare your options to help find the right coverage

We offer two different types of flood policies to help you get the right coverage. Beyond Floods, a flood policy with more extensive coverage or a flood policy through the National Flood Insurance Program. Compare your options below to help determine which choice fits your needs.
Beyond Floods
National Flood Insurance Program
Available coverage for a single-family structure
Up to $1.5 million
Up to $250,000
Waiting periods
FL and NJ: 0 days
Lender closing: 0 days
All other: 7 days
Lender closing: 0 days
All other: 30 days
Billing options
Choose from:
Semi annual
Mortgagee Bill (annual)
Annual only
Loss settlement dwelling
Replacement Cost (no depreciation) up to selected policy limit
Actual Cash Value (depreciated value) for: multi family, rental, secondary residence, vacant
Loss settlement contents
Replacement Cost (no depreciation) available
Actual Cash Value (depreciated value)
Basement coverage
Building and Contents coverage available
Not offered
Loss of use coverage
(pays for you to live elsewhere while your home is repaired after claim)
Coverage limits available up to $150k
Not offered
Fully earned fees
Flat fees, regardless of occupancy
Variable fees:
additional fee if not owner occupied
Get started with flood coverage today.
Our independent agents can help you find the right flood insurance for you. Click here to find an agent near you.
* This content provides general information only. Beyond Floods branded policies underwritten by one or more companies in the National General Insurance Group, Winston-Salem, NC, NatGen Flood Division. Terms, conditions, limits and exclusions apply. Availability may vary by state.
** Admitted in NJ & Florida. Excess and Surplus: AL, AZ, CA, CO, CT, GA, IA, ID, IL, IN, LA, MA, MD, ME, MI, MN, MS, NC, NM, OH, OR, PA, RI, SC, TX, VA, WA, WV.