Residential Flood Insurance

Palomar’s flood insurance offerings are easier to obtain and offer broader coverage than policies backed by the National Flood Insurance Program (NFIP).  Palomar can quote any flood zone and does not require an elevation certificate, waiting period or, in many cases, an up-front payment to secure coverage. 

Palomar provides industry-leading flood insurance policies tailored to fit an insured’s specific needs.

Do I need flood insurance?

The simple answer: everyone should consider flood insurance. Some homeowners are required by their mortgage lender to purchase flood coverage in high-risk areas. However, areas that are not deemed high-risk are just as susceptible to flooding. 99% of all US counties have been affected by a flooding event and from 2014 to 2018 over 40% of NFIP flood claims were filed in non-mandatory flood zones. With the NFIP’s average claim payout of $52,000, flood insurance can be the difference between recovery and financial collapse.

Does homeowners insurance cover flood damage?

Standard homeowners policies, dwelling fire policies, and renters policies typically do not include flood coverage for severe types of water damage.

What does flood insurance cover?

Palomar flood insurance can cover damage to your home, other structures, personal belongings, additional living expenses and loss of rent if your home is inhabitable during repair. Palomar offers limits up to $5 million for maximum protection against flood damage.

How much does flood insurance cost?

The cost of flood insurance varies based on factors such as home value, location, age, construction type, number of stories, and foundation type. A licensed insurance agent can provide you with a cost estimate and quote for flood insurance. Get started by filling out the form on this page.

What should I look for when evaluating flood insurance companies?

As mentioned, Homeowners Insurance policies do not typically cover damage caused by floods. Flood insurance can be purchased on a standalone basis from a company that specializes in this type of coverage. Palomar is a leading national provider of flood insurance to both residential and commercial clients.

Palomar Residential Flood Insurance Policy

Palomar flood insurance is available on an admitted basis in:

Arizona, California, Colorado, Hawaii, Illinois, Indiana, Nevada, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia


Palomar flood insurance is available on a surplus lines basis in:

Arkansas, Connecticut, Georgia, Kansas, Kentucky, Maine, Massachusetts, Michigan, Mississippi, Missouri, New Jersey, New Mexico, North Carolina, Texas*, Washington, Wisconsin

Product Overview

  • An alternative to the National Flood Insurance Program
  • No waiting period
  • No elevation certificate required
  • Primary and excess coverage options available
  • Payment plan options available

Guidelines & Eligibility

  • All flood zones eligible for quoting
  • No occupancy clause
  • Restriction on homes that have had a prior flood loss in the last 10 years or any flood loss more than $150,000
  • Restriction on mobile or manufactured homes
  • Restriction on homes located in, on, over water, or seaward of mean high tide

Coverage & Limits

  • Dwelling limit up to $5 million
  • Personal property limit up to $1 million
  • Loss of use limit up to $50,000
  • Fixed deductible as low as $500

* Not all counties in Texas are eligible. Please fill out the form on this page to get started and determine eligibility.

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Palomar is a rapidly growing and innovative insurer focused on providing specialty insurance to residential and commercial customers through agents across the nation.

Contact us to learn more about our products and coverages