Flood insurance for more than the flood zone
Most homeowners policies stop where rising water starts — and floods don't read FEMA maps. We write flood coverage for properties well beyond the designated high-risk zones.
What's covered
What flood coverage protects
Building coverage
The structure itself — foundation, systems, and finishes — after rising water damage.
Contents coverage
Furniture, appliances, and belongings, protected separately from the building.
Basement systems
Water heaters, HVAC, and utilities in below-grade spaces, per policy terms.
Cleanup & mitigation
Debris removal and steps that limit damage after the water recedes.
Replacement options
Cost-value choices that decide how your claim pays out — explained before you buy.
Excess flood add-on
Limits above the standard program for higher-value coastal properties.
Is this you?
Who should carry flood coverage?
Coastal homeowners
Where storm surge and king tides are a fact of life.
Low-lying inland properties
Creeks and drainage backups flood far from the beach.
Mortgaged homes in flood zones
Where lenders require proof of coverage.
Anyone burned once before
Once is enough — floods are the most common disaster in the country.
The Coastal Shield difference
An independent agency in your corner
Carriers compete for you
We quote your policy across multiple trusted insurers and let the numbers argue for themselves.
Built around your life
Your home, your budget, and your plans decide the coverage — never a one-size template.
Coastal know-how
Wind zones, flood maps, hurricane deductibles — we work with them every day because we live here too.
People, not queues
From your first quote to a claim at the worst moment, you reach the same local team.
Client reviews
In their own words
Every quote below is a real Google review from a Coastal Shield client, unedited.
“The absolute best insurance agency around. They are responsive, provide excellent options, and stay in touch until you are satisfied. I wouldn’t go anywhere else for my insurance needs.”
Sandi Burner · Google review
“The customer service at Coastal is exceptional. Madisyn kept me updated throughout the entire process and got us a great rate. She’s always available and explains things clearly.”
Dawn D. · Google review
“I`ve dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and total responsiveness throughout the entire process while meeting her client`s needs. Coastal Shield Insurance made life simpler and we are delighted to have them as our go-to insurer.”
Neil Cotiaux · Google review
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable! I highly recommend anyone looking for top notch insurance solutions to contact Anna!”
Dawn DiBrino · Google review
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