Alison James & Associates
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Flood Insurance

It doesn't matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn't cover it. Let us give you a quote today!

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What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. 

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about the right amount of flood coverage for your home.
(917) 554-2202
733 22nd Street
Union City, NJ 07087
Click Here to Email Us
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Alison James & Associates
733 22nd Street
Union City, NJ 07087
(917) 554-2202​
Click Here to Email Us

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Downtown Jersey City November 2021 photo by King of Hearts | CC-BY-SA-4.0 | Website by InsuranceSplash
  • Home
  • About
    • Meet the Owner
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Accessibility Statement
    • Newsletter Signup
  • Insurance
    • Commercial Insurance >
      • Voluntary Benefits
      • Business Insurance
      • Workers Compensation
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Trucking Insurance
    • Personal Insurance >
      • Vehicles >
        • Auto Insurance
        • Boat Insurance
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Vision Insurance
      • Property >
        • Home Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Other >
        • Event Insurance
        • Pet Insurance
        • Umbrella Insurance
  • Quotes
    • Commercial Insurance Quotes >
      • Voluntary Benefits Insurance Quote
      • Business Insurance Quote
      • Workers Compensation Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
    • Personal Insurance Quotes >
      • Auto Quotes >
        • Auto Insurance Quote
        • Boat Insurance Quote
        • Trucking Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Pet Insurance Quote
        • Umbrella Insurance Quote
    • Services >
      • Policy Review
      • Make a Payment
      • Update Contact Info
      • Policy Changes
      • Proof of Insurance
      • Report a Claim
      • Online Documents
      • Free Consultation
  • Wellness Solutions
    • Coaching
    • Alison James Wellness Solutions App
  • Blog
  • Contact