Yes, you can still get flood insurance even if your property has a history of flooding. Both the National Flood Insurance Program (NFIP) and private flood insurers offer coverage for properties with prior flood claims. However, your premiums will likely be higher based on your property’s claims history and flood risk profile. Properties classified as Severe Repetitive Loss (SRL) or Repetitive Loss may face significantly higher rates under NFIP.
Under FEMA’s Risk Rating 2.0, individual property risk factors—including claims history, flood frequency, and distance to water sources—directly affect your premium. Despite higher costs, maintaining flood insurance is critical for previously flooded properties since they face elevated risk of future flooding. Get a personalized quote from Bridgeway Insurance to see your rate options.
