Flood Insurance – Protect Your Home from Water Damage

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When Home Insurance Isn’t Enough

Standard home policies exclude flooding from rising water, storm surge, or overflow. With flood insurance Wisconsin homeowners near rivers or the Lake Winnebago shoreline can prepare for heavy rains, spring melt, or drainage backups that push water across the ground. Head Insurance Agency helps households in Sherwood, Appleton, Green Bay, and Oshkosh choose NFIP or private flood coverage that complements their homeowners insurance.

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Flood Insurance Basics

Choose building coverage for your home’s foundation, electrical, and plumbing systems—and contents coverage for belongings. NFIP policies typically include a 30-day waiting period and set federal limits; private markets may offer higher limits, fewer exclusions, or additional features. We’ll compare both and time your effective date before the next storm cycle.

Understanding Your Flood Risk

Even outside high-risk zones, a significant share of losses occur in “low-to-moderate” areas. We can help verify your flood zone, elevation, and drainage patterns common around the Fox Valley. Pair flood with water backup endorsements on your home policy to address sump or sewer issues that aren’t part of flood definitions.

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Flood Insurance Questions, Answered

  • Is flood insurance required?

    Lenders require it in high-risk zones; elsewhere it’s optional but wise.

  • What does it cost?

    Pricing depends on zone, elevation, and home details—we’ll run exact quotes

  • Does flood cover sewer backup?

    No; that’s a separate home endorsement unless backup results directly from a flood.

  • Can I buy outside NFIP?

    Yes—private flood can offer different limits and terms.