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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.
(509) 464-0058
7407 N Division
Suite D
Spokane, WA 99208​
Click Here to Email Us
Flood Insurance Quotes
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 Proudly serving Spokane, WA, Spokane Valley, WA, Coeur D' Alene, ID, Colville, WA, Moses Lake, WA, Deer Park, WA, and surrounding areas.

Licensed in Washington, Oregon, and Idaho


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Black and Associates Insurance, Inc.
​7407 N Division
Suite D
Spokane, WA 99208
(509) 464-0058​
Click Here to Email Us
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Image Credit: Monroe Street Bridge by Mark Wagner  |  CC BY 2.5
  • Home
  • Quotes
    • Personal Quotes >
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Earthquake Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Supplement Coverage Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Disability Insurance Quote
      • Other Quotes >
        • Boat & Yacht Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Wedding Insurance Quote
    • Commercial Quotes >
      • Commercial Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Commercial Auto Insurance Quote
      • Contractors Liability & Bonds Quote
      • Performance & Payment Bond Quote
      • Professional Liability Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Request an Appointment
  • Insurance
    • Personal >
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Health >
        • Health Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
      • Life/Financial >
        • Life Insurance
        • Disability Insurance
      • Other >
        • Boat & Yacht Insurance
        • Event Insurance
        • Wedding Insurance
        • Umbrella Insurance
    • Commercial >
      • Commercial Insurance
      • Business Owners Package (BOP) Insurance
      • Commercial Auto Insurance
      • Contractors Liability & Bonds Insurance
      • Performance & Payment Bonds
      • Professional Liability Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Blog
    • Additional Resources >
      • Local Resources
  • Contact