Flood Insurance
Just one inch of water can cause $25,000 of damage to your home. Make sure you're protected with a flood insurance policy.
Flood insurance issued by Hoover Insurance NW
Understanding flood coverage
Most standard property policies exclude damage caused by flooding. A dedicated flood insurance policy is necessary to safeguard your home and possessions from rising waters. These policies are typically backed by the National Flood Insurance Program (NFIP) and can be purchased through our brokerage.
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Important things to know about flood insurance
30-day waiting period
Typically, there is a 30-day waiting period from the date of purchase before your flood insurance policy goes into effect. Don't wait until a storm is approaching.
NFIP Policies
Most flood insurance is written through the National Flood Insurance Program (NFIP), which is managed by FEMA. We can help you secure an NFIP policy.
High-risk areas
If you live in a high-risk flood area and have a mortgage from a federally regulated or insured lender, you are legally required to have flood insurance.
Frequently Asked Questions
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When something happens, we're there.
Insurance should not feel confusing when life gets stressful. Our team helps you understand your coverage, navigate next steps, and get connected with the right carrier support when a claim happens.
Policy Review Support
We make sure your coverage still fits your life.
Claims Guidance
We walk you through the claims process.
Renewal Checkups
We review your policy annually for gaps and savings.
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Trusted by Washington
families & businesses
"Hoover Insurance NW took the time to explain everything and found us better coverage for less. Highly recommend!"
– Sarah M., Arlington
"Their team is responsive, knowledgeable, and always willing to help when we need it most."
– Jason R., Marysville
"Great local broker! They helped us bundle home and auto and saved us over $800 a year."
– Melissa T., Everett
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