Flood Insurance

Stay Protected When the Water Rises

Flooding can happen anywhere and often without warning. At Myers & Hayden Insurance, we help Indiana homeowners and businesses prepare for the unexpected with reliable flood insurance options that protect your property, savings, and peace of mind.

What Is Flood Insurance?

Flood insurance covers damage to your home, building, or contents caused by rising water, heavy rain, snowmelt, drainage failure, or levee breaches. Standard homeowners insurance doesn’t cover flood damage – this protection must be purchased separately.

Why Flood Coverage Matters

  • Covers structural damage, flooring, appliances, and personal belongings
  • Private policies may offer higher limits and faster activation than NFIP
  • Optional coverage for unattached structures, loss of use, and business income
  • Shorter waiting periods and flexible premiums available
  • A single inch of floodwater can cost thousands in repairs

Even if you're not in a high-risk flood zone, you may still be vulnerable. According to FEMA, over 25% of flood claims come from low- to moderate-risk areas.

Do You Need Flood Insurance?

  • Yes, if you live in a flood zone – lenders often require it
  • Yes, if you’re near a creek, hill, pond, or snow runoff
  • Yes, even if your risk is moderate – flooding is unpredictable
  • Coverage is available for both homeowners and renters
  • Local experts who understand Fort Wayne’s flood risk
  • Access to NFIP and trusted private flood insurers
  • Personalized advice to help you select the right policy
  • Quick support and reliable claims assistance

Get In Touch With us

Finding the right insurance can be a daunting and confusing process. Reach out to us for help! We will review your unique risks in order to find coverage that’s perfect just for you.

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