Flood Ins Page (1)

Looking for Flood Insurance in Minnesota?

When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.

In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars.

If you're looking for flood insurance in Pine County, Kanabec County, Carlton County, and the rest of Minnesota, we've got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It's just that some flood zones are worse than others.

In most situations, you will have a 30-day waiting period when you buy flood insurance, so don't wait until it's too late!

Homeowners insurance does not cover flood damage

Regardless of whether you live in Finlayson, Hinckley, Mora or any other part of Minnesota, flood insurance has to be purchased as a separate, stand-alone policy.

It is not covered by homeowners insurance.

Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.

If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

How to get started on your Flood Insurance quote

To get started on your quote, call our office or click over to our quotes page. Either way we'll make the process simple!

Flood Insurance FAQs

By April | February 19, 2020

Each year, it seems we go through the same thing… flooding. And each year, we get a lot of questions about it! Here are a few Flood Insurance FAQs and answers to help you decide what’s best for you and your asset protection goals. What Do I Need To Know About Flood Insurance Coverage Watch […]

Flooded Town

Do I Need Flood Insurance?

By lisak | March 8, 2019

“We don’t need flood insurance, we don’t live by a lake”, “We are up on a hill, we don’t need flood insurance” or “It will never happen where we live”. I hear these answers a lot when the question of flood insurance is brought up. As we’re getting to the end of winter, the spring months are right […]

Flood Insurance – Is it for you?

By Liz | February 14, 2019

What you should know about flood insurance   You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Town & Country Insurance we want you to be educated about all of the risks you may […]

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