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Wilcoxon Insurance, Inc.

4804 S. Minnesota Ave., Ste 103
Sioux Falls, SD 57108

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South Dakota Flood Insurance Coverage

Flood Insurance in South Dakota

Shopping for flood insurance is an important task in South Dakota. If you experience flooding in or around your home, you need to know that you’re protected. At Wilcoxon Insurance Inc., our independent agents in Sioux Falls, SD can work with you every step of the way.

Is flood insurance required?

One of the first questions you may have is to know if a flood policy is required. It will depend heavily on where your home lies on the FEMA flood zoning map. Homes in flood risk areas may be required to have a policy as required by the state. Depending on the history of floods in the area, it may also be required by your mortgage company.

Even if you’re not required to have this kind of coverage, it can still be beneficial. After all, it’s easier to file a claim with the insurance company to take care of flood damage than to cover the costs on your own.

How can flood insurance protect?

If you’re a homeowner in Sioux Falls, SD, you want to know your home is protected. Water can be extremely damaging. It can ruin your flooring, walls, and personal belongings. Since you never know what can happen, a policy can help to protect against the worst-case scenarios.

A flood insurance policy can protect against various reasons for flooding:

  • Storm drain clogs
  • Storms
  • Melting snow
  • Dam breaking

Floods aren’t covered on your home insurance policy. As such, you need to add a secondary policy to cover your home. Without the coverage, you could end up spending tens of thousands of dollars on water restoration services. With the help of our independent agents, we can ensure you have a policy capable of protecting your home. Additionally, we will work to find affordable premiums so that you can afford the added coverage.

Call us at Wilcoxon Insurance, Inc. today to speak to one of our agents. We’ll answer questions and help you to find the comprehensive flood insurance that you need in South Dakota.

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Servicing States

  • South Dakota
  • Nebraska
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