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Arrow Insurance Agency Blog

Does a Georgia Home Insurance Policy Include Flood Insurance Coverage?

4/19/2023

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Georgia is a beautiful state with a diverse landscape, ranging from mountains and forests to coastal areas and rivers. Unfortunately, this also means that Georgia is prone to natural disasters, including flooding.

​Given the potential for devastating flood damage to homes and property, many homeowners in Georgia wonder whether their home insurance policy includes flood insurance coverage.
The short answer is that a standard Georgia home insurance policy does not include flood insurance coverage. Flood insurance is a separate policy that homeowners can purchase to protect their property in the event of a flood.

Flood Insurance Policies

The National Flood Insurance Program (NFIP) offers flood insurance policies that are available to homeowners in Georgia and throughout the country.

These policies are sold through private insurance companies and provide coverage for both the structure of the home and its contents.

While flood insurance is not required by law in Georgia, it is strongly recommended for homeowners who live in flood-prone areas. According to the Federal Emergency Management Agency (FEMA), more than 20% of flood claims come from areas outside of high-risk flood zones.

This means that even if you do not live in a designated flood zone, you could still be at risk for flood damage.
Flood insurance policies typically have a 30-day waiting period before coverage takes effect, so it is important to purchase a policy well in advance of any potential flooding.

It is also worth noting that flood insurance policies have limitations and exclusions, so it is important to read the policy carefully and understand what is covered and what is not.

Types of Coverage 


In addition to flood insurance, homeowners in Georgia should also consider other types of coverage to protect their homes and property.

Homeowners insurance policies typically provide coverage for damage caused by perils such as fire, wind, and hail.

However, there may be exclusions and limitations to this coverage, so it is important to read the policy carefully and understand what is covered and what is not.

For example, many homeowners insurance policies do not cover damage caused by earthquakes or landslides. If you live in an area that is prone to these types of natural disasters, you may need to purchase a separate policy or add an endorsement to your existing policy to ensure that you are adequately protected.

Liability Coverage

Additionally, homeowners should consider liability coverage to protect themselves in the event that someone is injured on their property.

Liability coverage can help pay for medical expenses and legal fees if you are sued for negligence. It is important to review your policy limits and ensure that you have enough coverage to protect your assets.

At Arrow Insurance Agency, we understand that homeowners in Georgia have unique insurance needs based on their location, property type, and personal circumstances.

That’s why we take the time to get to know our clients and provide personalized insurance solutions that meet their specific needs and budget.

Our goal is to “shoot straight” by providing honest, transparent advice and guidance to our clients. We believe that insurance should be a partnership between the client and the insurance provider, and we strive to build lasting relationships based on trust and mutual respect.

Whether you are a first-time homeowner or a seasoned pro, we can help you find the right insurance coverage for your needs.

We offer a wide range of insurance products, including home, auto, and life insurance, as well as flood insurance and other specialized coverage.

In conclusion, a standard Georgia home insurance policy does not include flood insurance coverage. Homeowners who live in flood-prone areas or who want to protect their property from flood damage should consider purchasing a separate flood insurance policy.

​Additionally, homeowners should review their homeowners insurance policy carefully to understand what is covered and what is not, and consider adding additional coverage as needed, such as earthquake or liability insurance.

At Arrow Insurance Agency, we are committed to helping Georgia homeowners find the insurance coverage they need to protect their homes and property. Our agents are knowledgeable, experienced, and dedicated to providing personalized insurance solutions that meet our clients' unique needs. We always aim to shoot straight. 

​We believe that insurance should not be a one-size-fits-all approach, but rather a customized solution that is tailored to each client's individual circumstances. That's why we take the time to get to know our clients, understand their needs and concerns, and provide honest, transparent advice and guidance.

In addition to providing personalized insurance solutions, we also offer a range of other services to help our clients manage their risk and protect their assets.

We provide risk management services to identify potential areas of exposure and help our clients minimize their risks.

We also offer claims management services to help our clients navigate the claims process and ensure that they receive the coverage they are entitled to in the event of a loss.

Our agents are available to answer questions, provide guidance, and advocate on behalf of our clients throughout the claims process.

At Arrow Insurance Agency, we believe that insurance is not just a product, but a relationship. We are committed to building lasting relationships with our clients based on trust, respect, and mutual understanding. We are here to help our clients protect their homes and property, manage their risks, and achieve their financial goals.

Contact us today to learn more about how we can help you protect your home and property.

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Zaheed Hussain

Co-Owner/Licensed Agent Our aim is to hit the bullseye every time when it comes to providing our clients with the best insurance coverage available at the best value

​Phone: (770) 692-7500
Email: [email protected]

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