Flood Insurance

Flood Insurance that protects against the general and temporary inundation of normally dry land caused by overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters, or mudflow.  This type of water damage is an excluded peril on the property form.  Coverage is available for the building and/or building contents.

More than 20 percent of flood claims come from properties outside high-risk flood zones. Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.

National Flood Insurance Program (NFIP) flood insurance rates do not differ from company to company or agent to agent. All policy premiums include certain fees and surcharges, so ask about these when discussing a price quote. 

The amount you pay for your policy is calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • Location of its contents
  • Flood risk (e.g., its flood zone)
  • Location of the lowest floor in relation to the Base Flood Elevation on the flood map
  • Deductible and amount of building and contents coverage

The NFIP’s Preferred Risk Policy (PRP) offers lower-cost protection for homes and apartments in areas of low to moderate flood risk. These areas of moderate or minimal flood hazards are shown as B, C, X, AR, and A99 zones on a Flood Insurance Rate Map.

Why We're Different

While flood insurance products are similar in price and function, Kentucky insurance agencies vary when it comes to structuring a policy tailored to you. At McDaniel Insurance we understand there’s no such thing as a one-size-fits-all insurance policy when it comes to your flood insurance.  You can trust that we will take the time to thoroughly evaluate your needs so that you can rest assured that your assets are protected at the most competitive rates.

We’ll help you protect what matters most.  Contact us today at 502.909.0920, we’ll show you all of your insurance options, recommend the right limits, and make sure you receive every discount you deserve