Flood Insurance

Affordable, Local Coverage You Can Count On

When it comes to protecting your home or business, many people assume their standard insurance policy covers everything—but flood damage is almost always excluded. Whether you live near the coast, a river, or in an area that rarely sees heavy rain, flooding can happen anywhere and to anyone. That’s where flood insurance comes in.

At Paris Insurance Group, we’re your trusted local, independent insurance agency. We provide affordable, customized flood insurance solutions backed by expert advice and personalized service. Because we’re independent, we work with multiple insurance carriers to compare pricing and coverage options to help you find the best policy for your needs and budget.

Why Is Flood Insurance Needed?

Flood insurance protects your property from damage caused by rising water from heavy rain, hurricanes, storm surges, melting snow, or blocked storm drainage systems. It’s available through the National Flood Insurance Program (NFIP) and private insurers, and is often the only way to recover from flood-related losses.

Unlike water damage from a burst pipe, flood damage is defined as a general and temporary condition of partial or complete inundation of two or more acres or two or more properties.

What Does Flood Insurance Cover?

Flood insurance generally covers two areas:

Building Property Coverage

• Foundation, walls, and systems (electrical, HVAC, plumbing)
• Appliances, water heaters, and built-ins (cabinets, bookshelves)
• Detached garages and debris removal

Personal Property (Contents) Coverage

• Furniture, electronics, and clothing
• Portable appliances and valuables (up to set limits)
• Certain valuables may require extra coverage or riders

Coverage limits are typically up to $250,000 for building and $100,000 for contents under the NFIP, but private flood insurance options may offer higher limits.

Did You Know?

• Floods are the nation’s #1 natural disaster.*
• Just one inch of water can cause over $25,000 in damage.
• More than 20% of flood claims come from properties outside of high-risk zones.
• In high-risk (SFHAs) areas, estimates show that only one-third to one-half of residents have flood insurance. In these areas there is a 26% chance of flooding over a 30 year period, while there is about only a 10% chance for a fire.*
• Most flood insurance policies require a 30-day waiting period, so don’t wait for storm season to get coverage.

Flooding is the most common and costly natural disaster in the U.S.—and yet many homeowners and business owners remain unprotected. Even if you're not in a high-risk zone, you could still be vulnerable.

*Information from floodsmart.gov

Why Choose Paris Insurance Group?

When you work with Paris Insurance Group, you’re not just another policy number. We’re a local, independent agency that takes the time to understand your unique risks. Our licensed agents shop multiple carriers, provide expert advice, and help you navigate both NFIP and private flood insurance options—so you get the right protection at the best possible price.

Indiana Flood Insurance You Can Trust

Don’t Let Flooding Catch You Off Guard. Located in Westfield, Paris Insurance offers flood insurance coverage throughout Central Indiana, including Indianapolis, Carmel, Noblesville, Fishers, Zionsville, Whitestown, and Brownsburg. We're also proud to serve the entire state of Indiana from our Westfield office.

Get the Right Flood Insurance Today - Contact Paris Insurance Group to get a free flood insurance quote and safeguard your property from unexpected water damage.