Affordable Flood Insurance: Home Protection on a Budget
At G&G Insurance, we proudly deliver affordable flood insurance, outstanding service, and unmatched savings for families—your trusted one-stop shop for all your insurance needs.
Think Floods Only Happen in Disasters? Think Again!
When most people think of floods, they imagine massive storms like Hurricane Katrina or Hurricane Sandy, which caused billions of dollars in damage.
But the truth is, most floods happen in far less dramatic ways. Even just a few inches of standing water can result in tens of thousands of dollars in damage to your home and belongings.
If you’re looking for affordable flood insurance, G&G Insurance has you covered.
Did you know that every single home in the U.S. is in a FEMA flood zone? Some areas are at higher risk than others, but no one is completely exempt.
Most flood insurance policies have a 30-day waiting period, so it’s important to secure coverage before disaster strikes—don’t wait until it’s too late!
Homeowners Insurance Does Not Cover Flood Damage
No matter where you live, flood damage is not included in a standard homeowners insurance policy—flood insurance must be purchased as a separate, stand-alone policy.
Flood insurance can also reimburse you for preventative measures and cleanup, such as sandbagging your home, moving furniture, or removing debris after a flood.
If your home is in a designated flood zone, your mortgage company may require that you carry flood insurance. Even if you’re outside a high-risk zone or don’t have a mortgage, purchasing flood coverage is still a smart way to protect your home and belongings.
What Does Flood Insurance Cover?
When you look at your home insurance, you’ll often notice you’re covered for water damage. This is any damage to your home and the items in your home caused by water from pipes. Flood insurance typically covers the same things, but when the water damage caused by water that has entered your home from the land. This usually means it’s seeping through the foundation after being on land.
Flood insurance can cover:
- Your home (the building, foundation, plumbing, electrical, flooring, etc.)
- Your property (the items inside your home, like furniture, electronics, water heaters, appliances, etc.)
- Reimbursement of work done to salvage and clean up your home
Standard policies are often limited to $250,000 for the building and $100,000 for its contents, though additional coverage can be added. Policies can also be built to cover only the building, only the contents, or both.
Contact G&G Insurance to create your custom flood insurance policy.
How Much Does Flood Insurance Cost?
Flood insurance typically costs about $75–$96 per month (around $900–$1,150 per year), but depending on flood risk, location, and home details, it can range from roughly $400 per year in low‑risk areas to $3,000 or more annually in high‑risk zones. See how much you could save — get a free personalized quote today and protect your home with confidence.
What Our Customers Say
With unwavering dedication and a commitment to excellence, we are proudly trusted by over 13,000 clients who rely on G&G Insurance for their coverage needs.
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Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 2026John Rogers was kind, considerate, professional and thorough. The transition to G & G Was seemless!
Kandi S.
April 2, 2026I just want to give a HUGE shout out to Jolyn Brock for helping me get a new policy on my ford bronco! She was a pleasure to work with... read more
Natalie S.
April 1, 2026 -
Micah Gay shopped around and got us huge discounts in under 10 minutes. He made it so easy!!
Kailey T.
March 30, 2026Very easy to communicate with as they have reached out, the process can be as simple and confirming information
Seth C.
March 26, 2026Quick. Attentive. Knowledgeable. Micah is saving me hundreds each month. Now more than ever that savings makes a difference! Give em a call today. Ask for Micah and tell... read more
Cassie M.
March 25, 2026 -
Micah was a huge helping hand when it came to helping me figure out my situation and I really appreciated it!
Chris J.
March 24, 2026Micah was absolutely incredible to work with while I was navigating buying my first home. I had a lot of questions and honestly felt a little overwhelmed at times, but... read more
Grace S.
March 23, 2026Tyler went above and beyond 10x to find us the best coverage!
Amy
March 21, 2026 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
Lyndie M.
March 16, 2026Very easy to work with and quick!
Layne T.
March 13, 2026Very easy and very honest. Great prices
Micah J.
March 11, 2026 -
John provided an excellent service and found us the best homeowner’s insurance rate. Not only did he dedicate his time to ensuring we received the best coverage to fit our... read more
Shawn D.
March 11, 2026Micah Gay helped my partner and I navigate our first Home Insurance, and helped us save a ton compared to the Big Names with an auto and home bundle. Super... read more
Nick F.
March 10, 2026John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
G&G was fantastic to work with. Payton was a joy to speak with and answered all our questions (no matter how stupid)! Would definitely recommend and use again!
Chris D.
March 3, 2026Great experience. I dislike sales people and dislike being "sold to" even more. John did a great job, listened to what I wanted and did the extra work to make... read more
Bill P.
March 2, 2026We had a great experience with this insurance company, especially working with Terry! The process was incredibly easy from start to finish. Terry explained everything clearly, answered all of our... read more
Paulina T.
January 15, 2026
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John has gone above and beyond when it came to answering my questions and explaining my policy to me. I highly recommend G&G Insurance.
Kat H.
December 17, 2025 -
John with G&G helped us in finding and bundling the right home and auto insurance to get us the best deal possible. Never even had to go in office.
Cassandra T.
November 14, 2025 -
I recently learned the insurance carrier I'd had my home and auto policies with for years was pulling out of Arkansas and that my coverage would end soon. My search... read more
Bill P.
November 26, 2025 -
We had a great experience with this insurance company, especially working with Terry! The process was incredibly easy from start to finish. Terry explained everything clearly, answered all of our... read more
Paulina T.
January 15, 2026 -
Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 2026 -
We connected with Terry at G&G Insurance about 6-7 months ago regarding some auto insurance. He was fantastic. He was able to get us a great plan for our Jeep.... read more
Lyle G.
December 11, 2025 -
I was contacted by a lady from G&G insurance in Little Rock. She was telling me that I can get insurance that a payout would pay for my deductible an... read more
Elishia B.
March 25, 2026 -
Worked with John on Commercial policy excellent customer service
kelly D.
December 22, 2025 -
John Rogers was kind, considerate, professional and thorough. The transition to G & G Was seemless!
Kandi S.
April 2, 2026 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
Lyndie M.
March 16, 2026
What Factors Affect Flood Insurance Premiums?
Flood insurance costs depend on several important factors:
Location & Flood Zone
Homes in high-risk flood zones generally pay more than those in low-risk areas.
Property Elevation
Homes built above the base flood elevation may qualify for lower rates.
Building Features
Foundation type, number of stories, and construction materials can influence premiums.
Coverage & Deductible
Higher coverage limits or lower deductibles increase costs, while higher deductibles can help reduce premiums.
Claims History
Properties with previous flood claims may face higher premiums.
Proximity to Water
Homes near rivers, lakes, or coastlines are considered higher risk.
Tip: Regularly reviewing your flood risk and updating mitigation measures can help lower your rates.
Curious about your rates?
G&G Insurance can help you find a quote in no time!
Why Choose G&G Insurance
Protect your home from unexpected flood damage with coverage that fits your needs. Here’s why homeowners choose G&G Insurance for flood protection:
Expert Guidance – We explain your flood risk clearly and help you find the right coverage.
Tailored Solutions – Your policy is customized to your home, location, and budget.
Access to 50+ insurance companies for competitive pricing and flexible options
Fast, reliable claims support when you need it most
Get started with G&G Insurance and secure your home against floods today!
Flood Insurance FAQs
Q: Does standard homeowners insurance cover floods?
Q: Who needs flood insurance?
Q: What does flood insurance cover?
Q: How long does it take to get flood insurance?
Q: Can I get flood insurance for a rental property?
Get Flood Protection for Your Home in 3 Simple Steps
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Online Form: Fill out a simple form on our website anytime—fast and convenient.
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With our affordable flood insurance, you don’t have to compromise on quality to maintain your budget. Embrace the peace of mind that comes with knowing your home is safeguarded against the unexpected.