Flood Insurance in Georgia

Water does not check the map before it comes in. Around Columbus, a hard afternoon storm, a backed-up creek, or runoff from new construction uphill can put water in a house that has never taken on a drop. Your homeowners policy will not pay for it. A flood policy will, and Mallard Insurance Group can tell you in one conversation whether yours makes sense.

Who Needs Flood Insurance in Georgia?

If you have a mortgage on a home in a high-risk zone, your lender almost certainly requires it. Plenty of our clients buy it anyway, because a surprising share of flood claims come from properties outside those mapped zones. Consider a policy if your home sits near the Chattahoochee, downhill from a new subdivision, close to a creek or drainage ditch, or in an older neighborhood where the storm drains struggle during heavy rain.

What a Flood Policy Covers

Flood coverage is written in two parts, and you can carry one or both:

• Building coverage handles the structure, foundation, electrical and plumbing systems, water heater, furnace, and built-in appliances
• Contents coverage handles furniture, clothing, electronics, and other belongings

Federal flood policies cap residential building coverage at $250,000 and contents at $100,000. If your home or belongings are worth more, we can look at private carriers that write higher limits.

How Soon Does Flood Coverage Start?

Federal flood policies usually carry a 30-day waiting period before coverage begins, so buying one as a storm approaches will not help. The right time to ask is a quiet week like this one.