Flood Insurance

Floodwaters can destroy the foundation of a home and cause extensive damage. Without insurance, you will be left to pay for repairs and replacements entirely on your own.

The Federal Emergency Management Agency (FEMA) administers the National Flood Insurance Program (NFIP), a federally subsidized program available to any property owner – homeowners, renters, and condo owners. Typically, there is a 30-day waiting period after applying and paying the first premium for the insurance to become effective. This can be waived if the mortgagee requires coverage. To read more, please visit here.

The FEMA Disaster grant is about $5,000 on average per household, may not cover all damages. Woods Insurance can help you personalize and fully protect your home and belongings not explicitly covered by the FEMA Disaster Grant.

Car driving to through puddles around town

What Does Flood Insurance Cover?

Insurance typically has two types of coverage: one for the building itself and one for the contents inside of the building. You can choose to purchase one or both coverages. Homeowners' policies exclude losses caused by a flood. Flood insurance rates vary depending on the designated floodplain and zone of your home.

How Can I get Flood Insurance?

The overwhelming majority of insurance policies across the US are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).

To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Woods Insurance Services has sold insurance through NFIP for many years.

How can you get flood insurance policy? Contact Woods Insurance

Call Woods Insurance at (800) 949-3720 today and speak with one of our experts about insurance. You can also stop by in person at our regional offices to learn more about flood insurance in NM or CO.


We’re licensed in 33 states, so get started today.

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