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Flood Insurance

Floods can happen anywhere, regardless of whether you are located in a designated high-risk zone or not. In reality, everyone is in a Flood zone. An Allied Trust agent can help you understand your risk, options, and eligibility.

Available in Louisiana, Texas, North Carolina, and South Carolina. Coverage and options vary by state. Talk to an Allied Trust agent for details.

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Coverage options

Flood coverage, made simple.

Start with the basics, then customize with available options and guidance with an agent

overview

Does My Policy Include Flood Coverage?

Did you know that your homeowners or dwelling fire policy does not cover flood? Most policies exclude flood coverage, leaving you vulnerable to significant financial hardship if your property suffers flood damage. While you may not think you need Flood insurance, it is always best to discuss your options with an Allied Trust agent. According to the federal government’s Floodsmart program, “homes and businesses with mortgages from federally regulated or insured lenders in high-risk flood areas are required to have flood insurance. While flood insurance is not federally required if you live in a moderate-to-low risk flood area, it is still available and strongly recommended.”

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Flood insurance options

Allied Trust offers comprehensive Flood Insurance options through both the National Flood Insurance Program (NFIP) and private flood insurance carriers.

Allied Trust has partnered with Taurus, one of the leading flood solutions providers in the United States. Taurus offers unmatched, highly specialized expertise with decades of industry experience.

Allied Trust also partners with several private flood insurance companies to give you a variety of options to choose from based on your needs and circumstances. The premiums are customized based on risk, allowing for competitive pricing. 

With a range of choices available, you can carefully consider ways to minimize your financial risk in the event of a flood loss. Call an Allied Trust agent today to ask how you can save by bundling your home insurance with a flood policy through Allied Trust.

‍Coverage availability varies by state. Contact an Allied Trust agent for details.

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Why choose our Flood insurance?

Public & private options

Get support in understanding what your policy does and does not cover, as well as your individual risk. Your designated Flood Zone and requirements associated with your mortgage are just a couple of the factors you should consider.  Allied Trust Agents are ready to assist you with any questions and recommend the best coverage options.

Claims guidance

Compare NFIP and private flood policies to find the right fit for your needs. Allied Trust agents and customer service teams are ready to help you navigate the claims process.

Know your risk

We help evaluate your property’s flood exposure so you can choose sensible coverage.

Bundle friendly

Talk with your agent about the benefits of bundling your flood insurance with your home policy through Allied Trust, which may qualify you for a discount on your premium. 

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Frequently asked questions

Explore common inquiries about our policies, process, and protection options — all in one place. Our team is here to help you feel confident, covered, and informed every step of the way.

Who does Allied Trust Insurance work with?

Allied Trust works exclusively with independent insurance agents. This agent-driven approach ensures policyholders receive personalized guidance, local market expertise, and coverage tailored to their specific property and risk profile.

Where does Allied Trust Insurance offer coverage?

Coverage availability varies by state and product. Allied Trust currently operates in select markets and continues to expand strategically based on underwriting standards and regional risk conditions.

What makes Allied Trust Insurance different from other carriers?

Allied Trust combines disciplined underwriting with a service-first mindset. We prioritize financial stability, responsive claims handling, and strong partnerships with agents—allowing us to deliver consistent coverage in evolving markets.

Can I get an insurance quote directly from Allied Trust?

Allied Trust does not sell policies directly to consumers. Quotes are provided through licensed independent agents who evaluate coverage needs and recommend appropriate solutions.