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Flood is the most common natural disaster.

Flood Insurance

Flood is the most common natural disaster.

At some point, every new homeowner has asked themselves, “Do I need flood insurance?” The simple fact is, flooding happens in every region of the country, near water and inland, in high-risk flood zones and low-risk zones, and in places that have never been flooded before.

Just 1 inch of water can cause $25,000 in damage to your home. If you don’t have flood insurance, your homeowners insurance policy may not cover the costs of repairs. The real question is not if you need it or how much is flood insurance, the question is, can you afford not to have flood insurance. If you’re curious, you can estimate how much it might cost to repair your home, based on its square footage and the flood level with the cost of flooding tool.

Damage from flood is not covered under your standard home insurance policy.

That’s why it’s important to talk to your Gulfstream agent about purchasing a separate flood insurance policy. Your agent can provide you with a flood insurance quote and answer any questions you may have about how coverage works and when it applies.

So, how much is flood insurance? 


The average flood insurance policy is $700 per year, but if you’re located in a low risk area you may qualify for a Preferred Risk Policy, with premiums starting at only $170.

There is a 30-day waiting period for flood insurance coverage to take effect after purchasing the policy. Keep this in mind when planning for summer storm months, which is peak season for heavy rains and flooding. Don’t wait until you need flood insurance to start researching. Contact Gulfstream Insurance to get a flood insurance quote today.

BE PREPARED for future storms. Download the FEMA mobile app to receive weather alerts and helpful safety tips.

Below are some links that may be helpful:
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Helpful Information

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ImportantPhone Numbers

Customer Service: 866.485.3004, option 4

Flood Claims: 888.481.1159

All Other Claims: 866.485.3005

Gulfstream Address for:Policy Payments & Correspondence

P.O. Box 100248
Columbia, SC 29202-3248

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ImportantPhone Numbers
Customer Service: 866.485.3004, option 4
Flood Claims: 877.254.6819
All Other Claims: 866.485.3005
OUR LOCATIONSWhere to find us?
Policy Payments & Correspondence:
P.O. Box 100248
Columbia, SC 29202-3248
GET IN TOUCHGulfstream Social links

© Copyright 2021 – Gulfstream Property and Casualty Insurance Company | Privacy Policy | Legal Notice
Gulfstream uses credit-based insurance scores in some states. See FAQ for more information.

© Copyright 2021 – Gulfstream Property and Casualty Insurance Company | Privacy Policy | Legal Notice
Gulfstream uses credit-based insurance scores in some states. See FAQ for more information.