Flood Insurance in New York, New Jersey & Florida
Your homeowners policy doesn’t cover flood. We compare NFIP and private flood coverage side by side so you get the right protection at the right price.
Bayfront, oceanfront or inland
Whether your home sits on Long Island Sound, the Jersey Shore, a Florida canal or miles inland, heavy rain and storm surge can put water where it doesn’t belong. We’ll check your flood zone, review your elevation certificate if you have one, and find the coverage that fits your home and budget.
Flood carriers we’re appointed with
One quote request and we compare NFIP and private flood options from every carrier below.
Sellis Brokerage helps homeowners across New York, New Jersey and Florida compare government (NFIP) and private flood coverage side by side, so you get the right protection at the right price.
Get a free flood quote → or call (631) 861-3175
Why flood coverage matters
Your homeowners policy won't pay for flood. Water that comes from outside and rises into your home, whether from storm surge, a hurricane, a nor'easter or a flash flood, is excluded.
You don't have to be on the water to flood. Heavy rain and overwhelmed storm drains flood inland streets too, and a large share of flood claims come from homes outside FEMA's high-risk zones.
A little water is expensive. FEMA estimates that just one inch of floodwater can cause up to $25,000 in damage.
Your lender may require it. If your home is in a high-risk flood zone (Zone A or V) and has a federally backed mortgage, flood insurance is mandatory.
Two ways to insure against flood
NFIP (National Flood Insurance Program)
Backed by FEMA and available in participating communities, including most of New York, New Jersey and Florida.
Up to $250,000 for the building and $100,000 for contents on a home.
Usually a 30-day waiting period before coverage starts. Exceptions apply, for example when coverage is bought at a home closing.
Policies can often be transferred to a buyer when you sell.
Private flood insurance
Higher limits for high-value and waterfront homes that are worth more than NFIP caps.
Options NFIP doesn't offer, like additional living expenses if you can't stay home, and replacement-cost coverage for contents.
Often a shorter waiting period, and pricing that can be very competitive for elevated or well-protected homes.
Availability and terms vary by property and carrier.
Not sure which is right? We quote both and walk you through the differences, so you can choose based on real numbers.
Understanding your flood zone
Zone VE: coastal high-hazard areas with wave action. These are the highest-risk and usually highest-premium zones.
Zone AE: areas with a 1% annual chance of flooding. Coverage is typically required by mortgage lenders.
Zone X: moderate or minimal risk. Premiums are much lower, and these homes still flood.
Under FEMA's current rating approach, NFIP premiums reflect each home's individual risk, including distance to water, elevation and rebuilding cost. An elevation certificate, flood vents or raised utilities can help lower your price. We'll show you what makes a difference for your home.
What we need to quote you
Property address and year built
Foundation type (slab, crawlspace, basement, or elevated on piers or pilings)
Elevation certificate, if you have one
Your current flood declarations page, if you're insured today
The building and contents limits you'd like
Flood insurance FAQ
Does my homeowners policy cover flooding?
No. Standard homeowners, condo and renters policies exclude flood. You need a separate flood policy.
How soon does coverage start?
NFIP policies generally have a 30-day waiting period, with some exceptions, such as a purchase tied to a mortgage closing. Many private flood policies have shorter waits. Don't wait for a storm in the forecast to buy.
Do I need flood insurance if I'm not in a flood zone?
It isn't required, but it's strongly recommended. Homes outside high-risk zones flood too, and coverage there usually costs much less.
Does flood insurance cover my basement?
NFIP basement coverage is limited. It includes items like your furnace, water heater, electrical panel and cleanup, but not finished walls, flooring or most belongings stored there. Some private policies offer broader basement coverage.
Will flood insurance pay for a hotel if I can't live at home?
NFIP policies don't include additional living expenses. Many private flood policies do, which is one reason to compare both.
Protect your home before the next storm
Tell us about your property and we'll shop NFIP and private flood options for you, at no cost to you.