Today we are talking about what is excess flood insurance? Before we discuss that lets discuss something that will give us a better understanding of excess flood insurance the National Flood Insurance Program also known as NFIP.

NFIP is the government flood insurance program. A few quick things to know about the NFIP is that it only offers residential building coverage up to $250,000 and $100,000 on contents. So what happens if you need more coverage? This is where excess flood comes in to help.

Excess flood insurance is a private flood insurance program that is offered on top of what NFIP offers. So let's think of it as building blocks or bricks stacking on top of each other to help provide more protection. 

So when does excess coverage kick In?

Well excess flood insurance does not kick in until the NFIP policy has been exhausted. So once the $250,000 for the building and $100,000 for contents has been used then the excess policy could come into play. So let's say you want $750,000 in building coverage the NFIP policy would cover the first $250,000 in coverage and excess would cover the additional $500,000.

It's important to also understand how the claims process would work. This would basically be different claims for one occurrence.  So you would have your normal NFIP deductible that you would have to pay and then the excess deductible on top of that.

Excess flood is a great product that provides the additional protection many people need. If you want to learn more about excess flood and if it is right for you please visit our website Flood Insurance Guru. You can also visit our YouTube channel and facebook page The Flood Insurance Guru where we do educational videos. You can also click the link below to learn more or give us a call 205-451-4294.

Chris Greene


Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation