It may come as a surprise to learn that a flood is not a loss covered by a Homeowners Insurance policy and that flood coverage is written on a separate policy. Henry M. Murray Agency in Annapolis offers flood insurance programs for homeowners and property owners throughout Maryland. We can help you assess your risk and give you a quote on a flood insurance policy for your property.

About Flood Insurance

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from:

  • overflow of inland waters,
  • unusual and rapid accumulation or runoff of surface waters from any source,
  • and mudflows.

Flood insurance is offered under a Federal government program know as the National Flood Insurance Program available through Henry M. Murray Agency. There are two types of flood insurance coverages: dwelling property and personal property. We recommend that individuals purchase both types to be fully protected in the event of a loss.

Get a Quote on Flood Insurance

Please contact our office to speak with an independent insurance agent and get more details on flood insurance for your home or property. Call 410.417.6505 or request a quote online.

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