Skip to content

EARLY CLOSING - FRIDAY, APRIL 18th -- The NNINS office in Irvington will be closing at 11:00 AM for our Annual Meeting. We will reopen at 8:00 AM on Monday, April 21st. Thank you.

northern neck Virginia Insurance
    inland flood

    Coverages

    Inland Flood Coverage

    with your homeowners policy

    Start my personalized quote
    Flooded nice new construction home showing mailboxes and trees

    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. 

    get your personalized quote

    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: 

    • Flooded river

      Inland streams or rivers overflow

    • Heavy rain

      heavy rain

    • snow-melt

      Runoff and snowmelt

    • mudflow

      water-borne mudflows

    Inland flood: what's covered?

    When you add the Inland Flood Endorsement to your Northern Neck Homeowners coverage, you extend your coverage to protect: 

    • Your residence and certain other structures (e.g., shed, pool house) from covered flood damage
    • Basement flooding, any sunken room, a sunken portion of a room, garage or
      crawl space, having any side of its floor below ground level. 
    • Personal property (sub-limits may apply)
    • Loss of use (pays for additional living expenses you incur if your home is not suitable to live in due to a covered loss)
    • Basement personal property (The NFIP excludes coverage for basement personal property.)
    • Cost to move the policyholder's property to safety (first 30 days)
    • Debris removal
    Start your personalized quote
    Start your personalized quote
    Brick home flooded street with sand bags

    Inland Flood vs National Flood Insurance Program — what's the difference?

    Read More
    Basement-showing-water-stains-on-wall-and-signs-of-flooding-v2

    7 Tips to Prevent Basement Flooding

    We know a thing or two about protecting Virginia basements from water damage. While the causes and the cost of recovery can sound overwhelming, the right measures can prevent 93% of water damage incidents. 

    Flooded-rural-home-with-basketball-hoop-and-speed-limit-sign-v2

    Is Your Virginia Home Covered for Flood Damage?

    Many homeowners believe their home is covered for flood damage by home insurance. Let's clear up any confusion and help your family be as prepared as possible.

    flooded-neighborhood-with-sand-bags-and-rescue-people-in-background-v2

    Do I Need Inland Flood Coverage in Virginia?

    Floods can be devastating for homes and communities. Learn when it's wise to protect your house and family with inland flood insurance.

    office-aerial-summer-2000

    local, affordable, personable

    Because that’s the way insurance should be.

    Start my quote