Flood

When is private flood insurance better than NFIP in Georgia?

Private flood often beats NFIP on coverage terms for preferred-risk Georgia properties. NFIP caps dwelling coverage at $250,000 and contents at $100,000, and does not cover additional living expenses if you are displaced during repairs. Private flood can offer higher limits, ALE coverage, and sometimes lower deductibles for Zone X and AE properties. For coastal Georgia properties in Savannah, Tybee Island, and St. Simons where federal subsidies historically applied, NFIP was often cheaper. With Risk Rating 2.0 repricing properties individually, we now compare both options for every Georgia address before recommending a placement.

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When is private flood insurance better than NFIP in Georgia?

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