Flood insurance is legally separate from homeowners insurance and is required by federal law for properties with federally-backed mortgages in FEMA Special Flood Hazard Areas. Even outside SFHAs, flood insurance is strongly recommended in hurricane-prone states — storm surge and tropical flooding are never covered by homeowners policies. The NFIP’s 30-day waiting period means late purchases may not be active when needed.
Purchase flood insurance before May 1 to ensure June 1 hurricane season coverage. Get a flood insurance quote from Bridgeway Insurance Agency, or read our state guides for Mississippi, Tennessee, and Georgia.
