Personal Lines
Flood Insurance
Standard homeowners policies don't cover flood damage. Make sure your home and belongings are protected when it matters most.
Don't Wait Until It's Too Late
Flooding is the most common and costly natural disaster in the United States — and it can happen anywhere, not just in high-risk flood zones. Yet most homeowners don't realize that their standard homeowners policy provides zero coverage for flood damage.
Wheatland Insurance Group can help you secure flood insurance through the National Flood Insurance Program (NFIP) or private flood carriers, so you're covered if rising water ever threatens your home.
What Flood Insurance Covers
Building Coverage
Covers the physical structure of your home, including the foundation, walls, floors, roof, and built-in appliances.
Contents Coverage
Protects your personal belongings — furniture, electronics, clothing, and valuables — from flood damage.
Mechanical & Electrical Systems
Covers HVAC systems, water heaters, electrical panels, and plumbing damaged by floodwater.
Detached Garages
NFIP policies can cover detached garages as part of the building coverage up to 10% of the building limit.
Debris Removal
Covers the cost of removing flood debris from your property after a covered loss.
Temporary Housing (Private)
Some private flood policies include additional living expenses if your home is uninhabitable after a flood.
Why Work With Wheatland?
NFIP & Private Options
We can place coverage through the federal NFIP program or private flood carriers, depending on what's best for your situation.
Know Your Risk
We help you understand your flood zone designation and what coverage level makes sense for your property.
30-Day Waiting Period
Most flood policies have a 30-day waiting period before coverage takes effect — don't wait for a storm to be in the forecast.
Affordable Protection
Flood insurance is often more affordable than people expect, especially for properties in lower-risk zones.
Don't Leave Your Home Unprotected
Contact us today to find out if your home is in a flood zone and get a flood insurance quote before the next storm season.