Flood Insurance Across the Midwest
Because “I Think We’re on High Ground” Isn’t a Solid Plan
When people think of floods, they picture hurricanes like Katrina or Sandy wreaking havoc on national news. But let’s be real—most floods don’t come with TV coverage or fancy names.
Sometimes it’s just a stalled storm, a plugged drain, or that one creek that really can’t handle its emotions.
At Hoesli Insurance Agency, we help folks all across Missouri, Illinois, Kentucky, Indiana, Tennessee, Arkansas, Iowa, and Michigan get flood insurance before their carpet turns into a sponge.
Newsflash: You’re in a Flood Zone
Yep—you too.
Every home in America sits in a FEMA flood zone. Some are high-risk, others are just “probably fine” (a.k.a. famous last words). Even if you’re outside a mapped flood zone, water has a way of not following directions.
“My Homeowners Insurance Covers Flooding… Right?”
Wrong.
Flood damage is not covered by standard homeowners insurance. If water enters from the outside—rain, snowmelt, rising groundwater—you’re going to need a separate flood policy.
And get this: flood insurance can also reimburse you for the work you and your family do—like sandbagging, hauling debris, or heroically saving the recliner from floating away.
Don’t Wait for Rain in the Forecast
Flood insurance comes with a 30-day waiting period in most cases. That means you can’t buy it on Monday and use it on Friday.
So unless you’ve got a crystal ball or a boat in the garage, the time to act is before the basement turns into a wading pool.
Also: if you live in a high-risk zone and have a mortgage, your lender probably already requires it. If you’re not required to carry it, it’s still one of the smartest optional decisions you can make—right up there with installing a backup sump pump and not storing cardboard boxes on the basement floor.
Get a Quote Without Getting Your Feet Wet
We make the process easy, fast, and drama-free—just like insurance should be.
Click below or give us a call. We’ll walk you through everything without trying to sell you a canoe.