Flooding isn’t just a coastal problem. Inland floods caused by heavy rain, snowmelt, or overflowing streams are on the rise, even in low-to-moderate risk areas. Unfortunately, standard homeowners, renters, and condo policies don’t cover flood damage, leaving many people vulnerable to costly repairs.
What Is Inland Flood Coverage?
An Inland Flood Coverage Endorsement is an affordable add-on to your home insurance policy that provides essential protection against flood-related losses. Unlike a standalone flood insurance policy, which can be expensive and complex, inland flood coverage is designed for homeowners and renters in lower-risk areas who still want protection.
What Does Inland Flood Coverage Protect?
✅ Your Home & Belongings – Covers flood damage to your home and personal property, including items in your basement
✅ Additional Living Expenses – Helps pay for a temporary place to stay if your home is unlivable due to flooding
✅ Debris Removal & Property Relocation – Covers cleanup costs and moving expenses to protect your belongings from rising waters
What Counts as an “Inland Flood”?
🌧️ Heavy rainfall or rapid snowmelt that doesn’t drain properly
🌊 Overflowing rivers or streams that flood normally dry land
🛑 Mudflows caused by water carrying debris and mud
Who Should Consider Inland Flood Coverage?
Many homeowners assume they don’t need flood insurance because they aren’t in a high-risk flood zone. However:
🚨 Flooding is the #1 natural disaster in the U.S.
🚨 More than 25% of flood insurance claims come from “low-risk” areas
🚨 Standard home insurance does NOT cover flood damage
Not All Insurance Carriers Offer Inland Flood Coverage
At Rathbun Insurance, we work with multiple carriers, but not all offer inland flood coverage. If you want broader protection or live in a higher-risk area, we can also help you secure a standalone flood insurance policy for more comprehensive coverage.
Is Inland Flood Coverage Right for You?
Don’t wait until it’s too late to find out your policy doesn’t cover flood damage. Let’s review your coverage and see if an inland flood endorsement or a standalone flood policy is the right choice for you.
📞 Call Rathbun Insurance today to discuss your flood coverage options!
