Flood Insurance for Homeowners Across the Southeast

Flooding isn't limited to the coast. While coastal areas often face higher exposure, flooding can happen almost anywhere due to heavy rain, storm surge, overflowing waterways, or changing weather patterns. In fact, many flood claims occur outside traditionally high-risk flood zones.

Standard homeowners’ insurance policies generally do not cover flood-related losses. A separate flood insurance policy can help cover damage caused by flooding and provide valuable financial protection when unexpected events occur.

At Correll Insurance Group, we help individuals, families, and businesses explore flood insurance options across the Southeast. While we have extensive experience supporting coastal communities, we also help protect homes in inland areas where flood risks are often overlooked. Backed by nearly a century of service and a network of independent agencies across the region, we're here to help you understand your options and find coverage that fits your needs.

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Homeowners Insurance and Flood Insurance Policies

Because homeowners’ insurance typically excludes flood-related damage, many property owners choose to purchase a separate flood insurance policy. Depending on the coverage selected, flood insurance may help cover:

• Flood preparation costs
• Damage to your home's structure
• Damaged appliances and mechanical systems
• Furniture, clothing, and personal belongings
• Cleanup and recovery expenses

Coverage varies by policy, so it is important to review your options and understand what is and is not covered before a loss occurs.

Common Misconceptions about Flood Insurance 

One of the most common misconceptions about flood insurance is that only properties in high-risk flood zones experience flood damage. In reality, flooding can occur almost anywhere, including areas with low-to-moderate flood risk.

Another common misconception is that federal disaster assistance will cover all flood-related losses. Disaster assistance may be limited, may not be available after every event, and often does not provide the same level of financial recovery as flood insurance coverage.

The National about Flood Insurance Program & Private Flood Insurance Options

Many flood insurance policies are available through the National Flood Insurance Program (NFIP), which was established by Congress in 1968 to help make flood insurance more accessible while encouraging responsible floodplain management practices.

Today, flood insurance may be available through the NFIP as well as private flood insurance providers. Depending on the property, location, and coverage needs, private flood insurance may offer additional coverage options and limits beyond those available through an NFIP policy.

Coverage options can vary, so it's important to review available solutions with a licensed insurance professional who can help you evaluate your choices.

Regional Resources

• South Carolina: State flood insurance guidance, consumer information, and flood preparedness resources through the South Carolina Department of Insurance. [doi.sc.gov]
• North Carolina: Flood risk mapping and planning tools, including the Flood Risk Information System (FRIS). [https://fris.nc.gov/]
• Tennessee: Floodplain management resources, flood maps, flood insurance information, and local flood risk guidance from the Tennessee Emergency Management Agency (TEMA). [tn.gov]
• Kentucky: Floodplain management resources, flood risk information, and National Flood Insurance Program guidance through the Kentucky Division of Water. [kymitigation.org]
• Mississippi: Floodplain management resources, flood risk information, flood zone tools, and National Flood Insurance Program guidance through the Mississippi Emergency Management Agency (MEMA). [msema.org]
• Arkansas: Floodplain maps, flood risk information, and floodplain management resources through the Arkansas Department of Agriculture. [agriculture.arkansas.gov]

Speak with a Local Correll Agent

Whether you’re located along the coast or further inland, our agency network can help you evaluate your flood risk and discuss solutions available in your area that fit your needs.

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