An affordable endorsement for Virginia homes
Most homeowners policies do not cover water damage from inland flooding. Our Inland Flood Endorsement fills the gap by adding flood protection to your NNINS homeowners policy. Simply put, it’s flood insurance for non-flood zones
Sometimes referred to as flash flood coverage, this endorsement is available to qualifying homes in low-to-moderate risk areas. For just a few dollars per month, you can add inland flood coverage to your existing Northern Neck Insurance homeowner, dwelling fire, condo, and mobile home policy.
Please note, an inland flood endorsement is not a substitute for the National Flood Insurance Program.
What is an inland flood?
Inland homes in low-to-moderate risk areas are typically not covered by federal flood insurance. In fact, according to the Federal Emergency Management Agency (FEMA), from 2014 to 2018, policyholders in low- to moderate-risk flood areas filed over 40% of all flood insurance claims. Inland flooding can have a number of causes, such as:
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Inland streams or rivers overflow
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heavy rain
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Runoff and snowmelt
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water-borne mudflows
