Anywhere it rains, it can flood. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on factors such as rainfall, topography, changes due to building and development as well as a number of other influences. Flood losses do not have to be caused by a catastrophic hurricane. Something as simple as rainfall collected on your front porch that seeps in under the doorway or a pool that overflows into your living room is considered a flood loss.

Melissa Ems Insurance Agency can offer flood policies to ensure your property and contents have comprehensive coverage. Whereas homeowner’s policies do not cover losses for water damage due to rising water or surface water, a flood policy will provide this valuable coverage. In high-risk areas, there is at least a 1-4 chance of flooding during a 30-year mortgage. In moderate-to-low risk area the risk of being flooded is reduced but not completely removed. These areas submit over 20% of National Flood Insurance Program claims and received 1/3 of the disaster assistance for flooding. The average claim cost of a flooded 1,000 square foot home with 1 inch of flood water is $10,600.

We have numerous Write Your Own companies as well as policies that can be written directly through FEMA. We handle each home on its own merits to review for the possibility of a grandfathered rates, variances or preferred rates. Policies are available for:

  • Primary homes
  • Secondary or Seasonal homes
  • Rented homes
  • Renters
  • Flood zones
  • Non-flood zones
  • Preferred rates
  • Condo units
  • Condo Association
  • Commercial (RCBAP)

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3446 49th Street North
St. Petersburg, FL 33710

Call 727.321.9828
Fax 727.321.5105

Monday 8:30am – 5pm
Tuesday 8:30am – 5pm
Wednesday 8:30am – 5pm
Thursday 8:30am – 5pm
Friday 8:30am – 5pm
Saturday By Appointment