Inland Flood

Inland Flood is an affordable enhancement to a homeowner's policy that provides coverage for losses caused by an overflow of inland waters such as a lake or stream, or an unusual and rapid, sudden accumulation or runoff of surface waters from any source, including, but not limited to, rainfall, ice melt, or mudflow.

Anywhere it rains, it can flood. As our climate changes, the risk of financial loss from flooding for millions of homeowners is increasing. Homeowners that are located in low-to-moderate flood zones are eligible for this affordable coverage. Your agent can help determine if this coverage may be right for you and your home.

Homeowners in a single or multiple family dwelling (excluding mobile or manufactured homes, condos and apartments) in all FEMA flood zones except those beginning with A and V prefixes or in surge exposed areas are eligible for coverage. Note: This Inland Flood Coverage does not satisfy federally regulated mortgage lender requirements, nor affiliated with the National Flood Insurance Program (NFIP).

Homeowners may benefit from this coverage because:

• Every home is at risk for flooding.
• Floods are the most common and costly disasters in the U.S.
• Homeowner insurance policies may not typically cover flood damage.
• Inland Flood Coverage is an affordable way to protect your home from flooding.

Inland Flood protects you from the most common inland flood losses, including, but not limited to:

• Damage to your residence and certain other structures (i.e. shed)
• Damage to personal property, including property in a basement or contents in a shed or garage
• Debris removal
• Property removed to safety for a period of 30 days
• Additional living expenses if your home must be vacated due to flooding or inland water.

Exclusions include, but are not limited to, damage to:

• Personal property not inside the home (e.g., patio furniture, barbecue)
• Decks and fences
• Lawns, trees, landscaping
• Loss of revenue or profits
• Seepage from water table rising, not caused by flood
• Water damage caused by backup of sewers or drains, not caused by inland flood waters
• Cleanup or removal of pollutants

Yes. These coverages protect property from two separate losses. A water backup and sump discharge or overflow endorsement typically provides coverage for water or waterborne material that backs up through sewers or drains or overflows from a sump, sump pump, or related equipment.

However, a water backup endorsement excludes water backup or overflow caused by flood or sudden water.

Each property or home will have its own flood risk score zone (1-10), and is not the same definition or scored the same as the NFIP flood zones. Nodak Insurance Company agents can help determine your property's Inland Flood risk score and associated annual premium to see if the coverage is right for your home.

Inland Flood protection is available with coverage limits of $10,000 up to $50,000 with deductibles ranging from $500 to $1,000. For occurrence limits greater than $15,000, basement personal property and loss of use is limited to $15,000. Nodak Insurance Company agents can help determine appropriate Inland Flood Coverage for your specific property.