EMERALD CREEK INSURANCE AGENCY, LLC
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Flood Insurance

It doesn't matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn't cover it. Let us give you a quote today!

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What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. 

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about the right amount of flood coverage for your home.
(208) 245-1000
​73 Homer Dr.
Saint Maries, ID 83861​
Click Here to Email Us
Flood Insurance Quotes
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Licensed in: Idaho, Montana, and Washington


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Emerald Creek Insurance Agency, LLC
73 Homer Dr.
Saint Maries, ID 83861
Local: (208) 245-1000​
Click Here to Email Us

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Website by InsuranceSplash
  • Home
  • About Us
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • News
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV/UTV Insurance Quote
      • Motorcycle Quote
      • Snowmobile Quotes
      • Trailer & Camper Quotes
      • Boat Insurance Quote
      • Classic Car Insurance Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Umbrella Insurance Quote
      • Manufactured/Mobile Home Insurance Quotes
      • Vacant Dwelling Insurance Quotes
      • Condo Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Commercial Auto Quotes
    • Life Quotes >
      • Life Insurance Quote
      • Final Expense Insurance Quote
  • Insurance Products
    • Vehicles >
      • Auto Insurance
      • Snowmobile Insurance
      • ATV/UTV Insurance
      • Boat Insurance
      • Trailer & Camper Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
      • Umbrella Insurance
      • Vacant Dwelling Insurance
      • Condo Insurance
      • Manufactured/Mobile Home Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Commercial Auto Insurance
    • Life >
      • Life Insurance
      • Final Expense Insurance
    • Pet Insurance
  • Service
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Online Documents
    • Free Consultation
  • Contact