Protect Your Possessions in Case of a Flood

Floods are the nation’s most common and costly natural disaster. Floods can happen anywhere, with more than 20% occurring in areas outside of high-risk zones. According to the Federal Emergency Management Agency (FEMA), recovering from just one inch of water inside your building can cost approximately $27,000.

Private flood insurance is a widely accepted alternative to purchasing a flood policy backed by FEMA under the National Flood Insurance Program (NFIP). Private flood policies offer the same coverage as FEMA’s NFIP policy, and in many cases have lower rates than the NFIP.

Safehold Special Risk can help you evaluate your flood risk and determine whether the NFIP or a private flood policy is most appropriate for your needs. Our private flood policy is accepted by lenders nationwide in satisfaction of lender requirements.

Safehold’s expertise helps businesses and families protect their possessions during and after a flood event. Contact us today to learn more about how we can help protect clients from the devastation of flooding.

Residential property

  • Dwelling 
  • Personal property

Commercial property

  • Building 
  • Contents 
  • Loss of income/extra expense

Maximum Limits
$5,000,000 (with maximum TIV of $25M)

Minimum Premium

The information below is a general summary of common requirements and exclusions and is for reference only. Additional requirements and exclusions may apply.

By location

  • California: Santa Barbara County or Sacramento County 
  • Florida: Monroe County
  • Hawaii: Hilo 
  • Iowa: Cedar Rapids, Davenport, or Iowa City 
  • Illinois: Areas protected by the American Bottoms levee system 
  • Louisiana: Coverage not available 
  • Missouri: Chesterfield 
  • North Carolina: Topsail Beach 
  • North Dakota: Stump Lake, Devils Lake, or City of Minot 
  • Rhode Island: Block Island 
  • Texas: Dallas (areas protected by levees from the Trinity River) or Padre Island



Ready to Get Started?

Contact us to explore how Safehold can tailor a comprehensive package to meet your specialized insurance needs.

Territory: National, some exclusions