Flooding can happen anywhere, often when you least expect it. Just one inch of water can cause thousands of dollars in damage, and most standard homeowners policies don’t cover flood damage. At Maple City Insurance Services, we help you protect your home and belongings with flood insurance designed to fill that gap.

What Flood Insurance Covers

Building Coverage
Protects the structure of your home, including foundation, electrical systems, plumbing, HVAC, and built-in appliances.

Contents Coverage
Covers personal belongings such as furniture, clothing, electronics, and other items inside your home.

Essential Systems
Coverage for major home systems like water heaters, furnaces, and air conditioning units.

Why Flood Insurance Matters

Flooding isn’t limited to high-risk areas. Many claims come from moderate or low-risk zones. Heavy rain, snowmelt, blocked drainage, or nearby construction can all lead to flooding.

Without flood insurance, you could be responsible for all repair and replacement costs out of pocket.

Important Things To Know

• Most flood policies have a waiting period before coverage begins

• Coverage is available whether you own or rent your home

• Mortgage lenders may require flood insurance in certain areas