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      • Business Property Coverage
      • Business Owners Package (BOP) Insurance
      • Employee Benefits and Life
      • Workers Compensation
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        • Home Insurance
        • Coastal Property Insurance
        • Earthquake Insurance
        • Flood Insurance
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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.
(228) 466-4498​
412 Hwy 90
Suite 6
Bay St Louis, MS 39520​

(228) 385-1177
2505 Pass Road
Biloxi, MS 39531

Click Here to Email Us
Flood Insurance Quotes
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Bay St. Louis Office

SouthGroup Insurance - Gulf Coast​
412 Hwy 90, Suite 6
Bay St Louis, MS 39520
(228) 466-4498​
Click Here to Email Us

Biloxi Office

SouthGroup Insurance - Gulf Coast​
2505 Pass Road
Biloxi, MS 39531
(228) 385-1177
Click Here to Email Us
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