Flood Coverage

Flood insurance is available through the National Flood insurance Program (NFIP) whether you rent or own.  It is also available for businesses.  Each policy contains two types of coverage:

Building Property Coverage

  • The insured building and its foundation.

  • The electrical and plumbing systems.

  • Central air conditioning equipment, furnaces, and water heaters.

  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers.

  • Permanently installed carpeting over an unfinished floor​

  • Permanently installed paneling, wallboard, bookcases, and cabinets.

  • Window blinds.

  • Detached garages (up to 10 percent of building property coverage). 

  • Detached buildings (other than garages) require a separate building property policy.

  • Debris removal.


Personal property coverage

  • Personal belongings such as clothing, furniture, and electronic equipment.

  • Curtains.

  • Portable and window air conditioners.

  • Portable microwave ovens and portable dishwashers.

  • Carpets not included in building coverage.

  • Washing machines and dryers.

  • Food freezers and the food in them.

  • Certain valuable items such as original artwork and furs (up to $2,500). 


There is typically a waiting period before the coverage takes effect. Some coverage limits apply. Special limits apply in basements and crawl spaces.


Information provided by NFIP Summary of Coverage.pdf. A complete detail of coverage options will be listed in your NFIP policy

FitzSimmons Insurance Agency offers access to federal flood insurance through the National Flood Insurance Program.

FloodSmart.gov is the National Flood insurance Program website offering consumers flood insurance information, flood risk scenarios, and safety tips.