If you own a property in Mississippi, the right coverage can make all the difference. With 2,990,468 residents in the state, you'll want adequate protection for all the what-ifs. Mississippi homeowners insurance can point you in the right direction for flood insurance coverage.

Fortunately, a Mississippi independent insurance agent will have access to several carriers so that you get proper protection. They'll have FEMA-approved options that are affordable. Connect with a local expert for tailored quotes today.

What Is Flood Insurance?

When you own a structure, floods are always a risk. You'll want multiple policies when insuring your assets and property in Mississippi. To ensure that you're receiving the proper protection, take a look at how flood insurance can help:

• Flood insurance: This type of property insurance covers a structure for losses due to a flood. This is caused by snow melting, storm surges, heavy rainfall, storm drainage system failures, and even levee dam system failures.

What Does Flood Insurance Cover in Mississippi?

Your home and business property policies will not come standard with flood insurance. In order to have coverage for a flood, you'll need to take out a separate flood policy. Check out what your Mississippi flood policy will cover:

Most expensive flood disasters in the US from 1978 to 2019

A flood can occur without notice and wreak havoc on your property. It's imperative that you have enough protection for flooding so that you're not caught off guard. 

What Doesn't Flood Insurance Cover in Mississippi?

Mississippi property insurance comes with a list of exclusions, just like any other policy. Your flood insurance will have specific offerings as well. First, understanding the definition of a flood is essential:

• What is considered a flood? A flood is an excess of water on land that is usually dry. This typically is classified as affecting two or more acres of land or two or more properties. 

Losses that are generally excluded from your flood policy:

• Water/sewer back-ups
• Burst pipes
• Waterline malfunctions
• Roof leaks

How Much Is Flood Insurance in Mississippi?

All personal and commercial insurance policies will have varying premiums. Carriers look at your specific risk factors when calculating your costs. Items that may affect your Mississippi flood insurance are:

• The location of your property
• The flood zone of your property
• Whether the property is residential or commercial
• Your insurance score
• Your loss history
• Prior coverage history

US states with the highest number of flood insurance claims in 2016

Flood insurance is not always required, depending on your flood zone. FEMA regulates and determines your property's flood zone.

How Much Flood Insurance Do I Need in Mississippi?

The limits of protection necessary will depend on your Mississippi property and flood zoning. FEMA offers maximum coverage amounts when providing insurance limits for your structure. They are as follows:

• Flood insurance for your home: Carriers usually offer $250,000 for the building and $100,000 for the building contents.
• Flood insurance for your business: Carriers usually allow $500,000 for the building and $500,000 for the building contents.
• Flood insurance as a renter: Carriers typically offer $100,000 for contents-only coverage. 

How an Independent Insurance Agent Can Help in Mississippi

Mississippi flood insurance is important for any property owner. All buildings are at risk for flooding, some more than others. Fortunately, a licensed professional can help you review FEMA-approved policies for free.

A Mississippi independent insurance agent does the shopping for you, saving time and premium dollars. Since they have a network of carriers, you'll have options that suit your needs. Connect with a local expert on TrustedChoice to get started today.