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Flooded living room showing the importance of having flood insurance coverage for your property.

Flood Insurance

Don't Wait Until It's Too Late—Protect Your Home from Flood Damage

Many property owners think they’re safe from flooding—until it’s too late. The truth is, every home is at risk, whether you're in a high-risk flood zone or not. Standard homeowners insurance policies don’t cover flood damage.

At The Rivertown Agency in Columbus, GA, we offer affordable flood insurance coverage to help protect homes and properties across Georgia and Alabama from the unexpected.

What is Flood Insurance?

Flood insurance is a separate policy that covers property damage caused by flooding. This includes water damage from heavy rain, overflowing rivers, hurricanes, and more.

It protects your home’s structure and contents if rising water enters your home and causes damage—something your regular insurance policy likely won’t cover.

Why You Need Flood Insurance—Even If You’re Not in a Flood Zone

Only about 20% of homes at risk for flooding are actually covered by flood insurance. Many property owners assume they don’t need it—but flooding can happen anywhere, not just in floodplains or coastal areas.

Flooding can be caused by:
 

  • Heavy rain or storm runoff

  • Overflowing rivers, creeks, or lakes

  • Hurricanes and tropical storms

  • Mudslides and landslides

  • Blocked drainage systems

  • Melting snow or ice

  • Earthquakes causing water displacement
     

If water damages your home and you don’t have flood insurance, you’ll have to pay for repairs out of pocket.

​What Does Flood Insurance Cover?

Depending on your policy, flood insurance can cover:

Dwelling Coverage

  • Foundation, walls, floors, and roof

  • Electrical and plumbing systems

Personal Property

  • Furniture, electronics, clothing, and valuables

  • Washers/dryers, freezers, and certain other contents (limits apply)

Cleanup & Repairs

  • Debris removal

  • Temporary relocation (in some policies)

  • Rebuilding or repair expenses

Why Choose The Rivertown Agency?

✅ Based in Columbus, Georgia
✅ Helping homeowners throughout Georgia and Alabama
✅ Licensed to provide flood coverage through NFIP and private carriers
✅ Personalized quotes tailored to your risk level
✅ Friendly, knowledgeable, and responsive service

Residential home surrounded by floodwater, emphasizing the need for reliable flood insurance.

Protect Your Home from the

Rising Risk of Floods

Don’t wait for disaster to strike—flood insurance can save your home and your finances.

(706) 530-0606
3100 Gentian Blvd, ​Suite 18B
Columbus, GA 31907​

Disclaimer: The information provided on this website is for general informational purposes only and is not intended to serve as legal, financial, or insurance advice. Coverage descriptions and policy features mentioned are broad summaries used to help explain general insurance concepts and may not apply to all policies or clients. Coverage availability, limits, exclusions, and conditions vary by insurance carrier and individual policy. Statements made are general in nature and are intended to simplify coverage explanations. Always refer to your individual insurance policy for specific terms, conditions, coverage limits, and exclusions. If you have questions about your coverage, please contact your licensed insurance agent.

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