For most Georgia homes, both NFIP and private flood (Selective, others) are options. NFIP is often better for high-risk coastal Georgia (Tybee, Savannah historic, St. Simons) because federal subsidies can make premiums lower. Private flood often wins for preferred-risk properties in Zones X and AE away from coast, where they may offer higher limits and Additional Living Expense coverage NFIP does not include. We compare both before binding.

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