We'll help you find the best Private and NFIP Flood Options for your home or business!

Here’s the truth: everyone lives in a flood zone. It’s not a matter of if flooding can happen, it’s when and how much damage it causes. Many homeowners assume they don’t need flood coverage because they’re not in a high-risk zone. But flooding can occur from heavy rain, clogged drainage, hurricanes, storm surge, or even a neighbor’s runoff, and standard homeowners insurance does not cover flood damage. 

Good news for X-Zone properties: If your home is in an X zone, you may qualify for NFIP flood policies with flood insurance as low as $238 per year. That’s peace of mind for less than most people spend on coffee in a month. 

Why flood insurance matters: Over 25% of flood claims come from homes outside high-risk zones. Just one inch of water can cause tens of thousands of dollars in damage. Additionally, private flood insurance policies typically have short waiting periods, so waiting until a storm is named can be too late.

As an independent agency, Cold Mountain Insurance shops multiple private flood carriers as well as NFIP options to find the best coverage at the best price — especially for X-zone homes that often qualify for surprisingly low premiums.

💧 Flood insurance is affordable.

💧 Flood damage is not.

Let us check your address and show you your options.
Protect your home, your finances, and your peace of mind before the water rises.

📞 Call today or request a quote online
Cold Mountain Insurance
Local. Independent. On your side.