Flood Insurance
Standard homeowners policies don't cover floods — separate flood insurance protects you from Colorado's flash floods, snowmelt, and rising waters.
Flood insurance is one of the most misunderstood types of coverage. Your homeowners policy explicitly excludes flood damage, and it doesn't matter whether the flooding comes from a river, flash flood, snowmelt, or heavy rain. If water enters your home from outside, you need flood insurance to be covered.
Many Colorado homeowners assume they don't need flood insurance because they're not near a river. But over 20% of flood claims come from properties outside designated high-risk flood zones. Colorado's geography — with rapid snowmelt, flash floods in burn scar areas, and overloaded storm drains — creates flood risk in places people don't expect.
Flood insurance is available through the National Flood Insurance Program (NFIP) and private carriers. We compare both options to find you the best coverage and price. NFIP policies have standard coverage limits, while private flood insurance can offer higher limits and broader coverage at competitive rates.
Key Features
- Building coverage for your home's structure and systems
- Contents coverage for personal belongings
- Available through NFIP and private carriers — we compare both
- Covers damage from rising water, flash floods, snowmelt, and storm surge
- Required for federally-backed mortgages in high-risk flood zones
Who Needs This?
- Homeowners in FEMA-designated flood zones (required by your lender)
- Anyone near rivers, creeks, or drainage areas in Colorado
- Properties in or near wildfire burn scar areas — dramatically increased flood risk
- Homeowners who want complete protection beyond their standard policy
Ready to Get Flood Insurance Coverage?
Call 303-994-7814 or start your quote online.
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