Safeguard your home and finances with affordable flood insurance tailored to your needs.
Typical flood insurance coverage includes:
Protection for foundation, walls, floors, plumbing, electrical systems, and appliances.
Key Details
Covers structural elements and built-in items such as furnaces, water heaters, and cabinets.
Excludes decks, landscaping, pools, and septic systems.
Claims & Next Steps
Contact FEMA or your private insurer immediately after a flood.
Take photos and videos before starting cleanup.
Preserve damaged property for inspection.
Document Checklist
Elevation certificate (if available)
Proof of prior losses or claims
Mortgage/lender requirements
Photos of property (pre-loss if possible)
Covers furniture, electronics, clothing, portable appliances, and personal valuables.
Key Details
Coverage usually requires a separate purchase; not included automatically in NFIP policies.
Items stored in basements or lowest levels may have limited coverage.
Claims & Next Steps
Contact FEMA or your private insurer immediately after a flood.
Take photos and videos before cleanup.
Preserve damaged property for inspection.
Document Checklist
Elevation certificate (if available)
Proof of prior losses or claims
Mortgage or lender requirements
Photos of property (pre-loss if possible)
Choose between government-backed coverage or flexible private-market options.
Key Details
NFIP Coverage Limits: Up to $250,000 for the building and $100,000 for contents.
Private Flood Insurance: Can offer higher limits and additional benefits, such as Additional Living Expenses (ALE) or basement coverage.
Claims & Next Steps
Contact FEMA or your private insurer immediately after a flood.
Take photos and videos before starting cleanup.
Preserve damaged property for inspection.
Document Checklist
Elevation certificate (if available)
Proof of prior losses or claims
Mortgage or lender requirements
Pre-loss photos of the property (if possible)
Provides additional coverage beyond the standard NFIP or private flood policy limits.
Key Details
Ideal for high-value homes that exceed NFIP maximum limits.
May include Additional Living Expenses (ALE), which are not covered in standard NFIP policies.
Claims & Next Steps
Contact FEMA or your private insurer immediately after a flood.
Take photos and videos before starting cleanup.
Preserve damaged property for inspection.
Document Checklist
Elevation certificate (if available)
Proof of prior losses or claims
Mortgage or lender requirements
Pre-loss photos of the property (if possible)
Provides funds to elevate, relocate, or demolish your home to comply with floodplain regulations.
Key Details
Provides up to $30,000 (NFIP) to help bring your property into compliance after a severe or repetitive flood loss.
May be required if the property is considered “substantially damaged.”
Claims & Next Steps
Contact FEMA or your private insurer immediately after a flood.
Take photos and videos before cleanup.
Preserve damaged property for inspection.
Document Checklist
Elevation certificate (if available)
Proof of prior losses or claims
Mortgage or lender requirements
Pre-loss photos of the property (if possible)
Earn loyalty rewards with bundle discounts, making your insurance simpler and more affordable.
Prepare before disaster strikes—get flood protection today.
The IDR Advantage
Personalized Coverage – Designed specifically for your flood insurance needs
Affordable Options – Flexible plans that fit your budget
Trusted Advisors – Real agents providing guidance, not just algorithms
Flood Insurance Made Simple -
Three easy steps for complete peace of mind.
Enter your property address to view your flood zone, lender requirements, and available coverage options.
Select your coverage limits and deductibles; provide an elevation certificate if available.
Activate your flood insurance, receive your policy documents, and remain mortgage-compliant.
At IDR Insurance, we value transparency. Several factors can influence your insurance rate:
Location & ZIP Code – Areas prone to natural disasters or high crime may have higher rates.
Home Age & Construction – Older homes or certain building materials can affect coverage costs.
Claims History – Past claims may increase your premium.
Credit History – In some states, insurers consider credit history when determining rates.
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
No. Standard Homeowners insurance does not include flood coverage. Flood protection must be purchased separately through the National Flood Insurance Program (NFIP) or a private flood insurance policy.
Floods can happen anywhere, not just in high-risk areas. While lenders may require flood insurance for homes in FEMA-designated Special Flood Hazard Areas, IDR strongly recommends coverage for all property owners to protect against unexpected water damage.
Flood insurance premiums depend on your property’s flood risk, elevation, location, age and type of home, chosen coverage and deductible, and whether your community participates in FEMA’s Community Rating System.
Building Coverage: Protects your home’s structure including foundation, walls, electrical, plumbing, HVAC, appliances, flooring, and built-in fixtures.
Contents Coverage: Covers personal belongings such as furniture, electronics, and clothing.
Exclusions: Does not include landscaping, vehicles, or temporary housing expenses.
NFIP (National Flood Insurance Program): Federally backed with standard coverage limits.
Private Flood Insurance: Offers higher limits, extra benefits, and flexible pricing options.
Both Options: Can satisfy lender requirements for flood protection.
Yes. NFIP policies typically have a 30-day waiting period before they take effect. Private flood insurance may start sooner. It’s best to secure coverage well before any storm or flood risk arises.
Call, text, or click. We’re ready when you are.
Call: 636 556 5555 / 314 499 8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
Complete coverage for homes of all sizes with IDR Insurance.
