Flood Insurance in Jackson, MS
Flooding is one of the most common and costly natural disasters, and even a small amount of water can cause significant damage to a home or business. Standard homeowners and renters insurance policies typically exclude flood-related losses, which makes a separate flood insurance policy an important consideration for many property owners.
Why Flood Insurance Matters 
Floods can occur anywhere, not just in high-risk zones. Heavy rainfall, snowmelt, poor drainage or nearby construction can all lead to unexpected water damage. Without coverage, the expense of repairing a foundation, replacing flooring or salvaging personal belongings often falls entirely on the property owner. Flood insurance is designed to help with those costs, so recovery is more manageable.
What’s Commonly Covered
While each policy varies, flood insurance often includes the following coverage options:
- Structural coverage, which may assist with repairs to your home or building, including foundations, walls and essential systems such as plumbing and electrical.
- Personal property coverage, which may help replace belongings such as furniture, clothing and appliances lost in a covered flood event.
- Cleanup costs, which may help with removing debris and restoring the property after water damage.
- Additional living expenses, which some policies may include to help with temporary housing if your home is uninhabitable after a flood.
Policies may be available through federal programs or private insurers, and each has limits and waiting periods, so it’s essential to review the details before you need the coverage.
Request a Quote Today
Flood insurance offers a way to prepare for the financial impact of water damage that most standard policies won’t cover. At FLM Insurance, we can explain your options and help you choose coverage that fits your situation. Contact us today to request a flood insurance quote.