Get a Quote
Get a Quote

Flood Insurance

Homeowners insurance does not cover rising water. For lakeshore, riverside, and low-lying properties across Central and Upstate New York, flood insurance from Eastern Shore Insurance Agency closes the most expensive gap a homeowner can have.
Get a Quote
Talk to an advisor

Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

When the water rises

Flood coverage steps in where your homeowners policy stops.

Spring melt meets three days of rain and the basement takes on water.

A flood policy covers what homeowners insurance will not.

High water on Lake Ontario pushes into shoreline properties.

Flood coverage responds where standard policies stop.

The creek behind the house tops its banks for the first time in memory.

First time still counts. Flood insurance pays either way.

What Flood Insurance Covers

Flood insurance comes in two flavors, federal and private, and we place both:

Building coverage

The structure, systems, and foundation.

Contents coverage

Belongings, purchased separately and worth having.

NFIP policies

The federal program, standardized and widely accepted by lenders.

Private flood options

Often broader limits and sometimes better pricing than the federal program.

Lender compliance

The documentation your mortgage holder requires in mapped zones.

Talk to an Advisor

Who Needs Flood Insurance Coverage

Rising water is excluded from every homeowners policy, which makes this the largest gap most owners have.

Lakeshore property owners

Lake Ontario high water is a known local risk.

Riverside and low-lying homes

The Oswego River and area creeks rise fast.

Owners with mortgages in mapped zones

Lenders require coverage in high-risk areas.

Anyone outside a mapped zone

Many claims come from lower-risk areas where coverage costs less.

Flood coverage pairs with home insurance, and camps and seasonal properties can be covered too.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Who Needs Flood Insurance Coverage

Rising water is excluded from every homeowners policy, which makes this the largest gap most owners have.

Lakeshore property owners

Lake Ontario high water is a known local risk.

Riverside and low-lying homes

The Oswego River and area creeks rise fast.

Owners with mortgages in mapped zones

Lenders require coverage in high-risk areas.

Anyone outside a mapped zone

Many claims come from lower-risk areas where coverage costs less.

Flood coverage pairs with home insurance, and camps and seasonal properties can be covered too.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Three water coverages, three different jobs

Which do you need? Usually the answer is homeowners plus one or both of the others. Five minutes on the phone settles it.

Flood insurance

Rising water from outside: lakes, rivers, runoff, storm surge.

Get a Quote

Homeowners

Covers many water perils, but never rising water.

Learn More

Water backup coverage

An endorsement for sewer and sump backup, different from flood.

Learn More

Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Flood Insurance FAQs

Quick answers to common questions from property owners near water.
A large share of flood claims come from outside high-risk zones, where coverage also costs less. Zone maps set lender requirements; they do not command the water. If your property has ever made you nervous in a wet spring, that is your answer.
NFIP policies generally take effect 30 days after purchase, with limited exceptions. Private policies can be faster. Either way, buy before the season, not before the storm.
Less than people expect: structural elements and essential systems generally yes, finished spaces and stored contents much more limited. We will walk you through exactly how your basement would be treated before you buy.
It ranges widely with elevation, zone, and coverage. Lower-risk properties are often surprisingly affordable, and private markets have made shoreline coverage more competitive. Ask us for a quote with your address and we will price both routes.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

Talk to an Agent

Related coverages

Home

Protection built for Central New York homes.

Learn More
Learn More

Personal Umbrella

An extra layer above everything else.

Learn More

Recreational Vehicle

Coverage for boats, sleds, and everything fun.

Learn More

Other & Specialty

Purpose-built coverage for everything else.

Learn More

Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

View All Industries