Flood Insurance

“Build a dam or buy insurance.” – Noah, probably 😂

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What You Get


  • Protected property and contents
  • Provides funding to repair flood-damaged property without the need to draw down savings

Why You Need It

  • It is required especially for properties located in high-risk flood zones
  • To help you recover from flood damage faster

Flood Insurance


Flooding occurs in every state and is reported to be a menace that causes more deaths each year than tornadoes, hurricanes, or lightning. Maybe you’re thinking that you’re safe from this one because your property is not located near the coast. Well, we bet you’re wrong. This is a risk that property owners must be prepared for as it naturally occurs and exists anywhere that receives rain.

Typically, homeowners’ insurance does not cover flood damages. Hence, flood insurance is your only option to protect your property and savings from all costs caused by this natural disaster. This could really be a great contribution to your peace of mind especially if your home is located in a high-risk flood-prone area.

In contrast to your standard homeowner’s policy where you can decide when your coverage begins, flood insurance coverage begins 30 days after a policy has been issued. Therefore, it is recommended that you get one before the onset of the rainy season. It’s better if you know your flood zone as it determines if you’re required to get flood coverage for your property especially if you’re working with mortgage lenders.

Other Insurances

Auto Insurance

Confidently sit behind that steering wheel. You can check our offers and compare them with others.

Commercial Insurance

Protect your investment and stay in the business even after a loss. We have a variety of options for all businesses.

Life Insurance

Protect your family’s peace of mind. Tomorrow is never guaranteed so protect yourself and your loved ones.

Our Customers

I was very lucky to have Mr. Casey Clem as my insurance agent. He was very professional and not aggressive. He did a great job finding a policy that would work for me. He took into consideration all of my wants and needs in finding the right plan. He came to my home and we were personally able to discuss the different types of insurance and were successful in choosing the right one for me. When I had concerns he was very patient and explained things so that I could understand them. I would definitely recommend Mr. Clem to anyone needing to find insurance for themselves or their family.”

Shannon Arnold

“Casey is experienced in helping you find the best policy for your needs. Very professional and really caring for the people he helps. Casey and his team will take great care of you. Highly recommend it.”

Timothy Hamilton

” Casey helped me get a better plan with better coverage! If you need an agent, Casey is a good one!”

Elizabeth Patterson

“Casey helped me get more coverage for less money. He was very knowledgeable about all the options available and helped me pick the right plan. Thanks, Clem Insurance Group!”

Janice Rucks

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