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Flood Insurance

flood insurance near me

Even if you don’t live in a flood plain, every property owner is susceptible to flood damage, and your current insurance might not cover it. Ask us for a quote today.

What is Flood Insurance?

Flood insurance is specific 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 covered by flood insurance. Most private insurers do not insure against the peril of floods due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of floods.

What Causes Flooding?

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 or two or more properties, at least one of which is your property. The inundation must be 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, hurricanes, earthquakes, or other natural disasters that influence flooding, but while a homeowner may have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about flood coverage for your home.

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Company information

CJT Insurance Services​
​CA License #: 0M25434

700 2nd St. Suite C
Encinitas, CA 92024

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Contact details

E-mail address:
info@cjtins.com

(760) 230-1125​

Weekdays: 10:00am - 5:00pm
​Saturdays: By appointment
Online 24/7