Flood Insurance
NFIP and private flood insurance for Oregon Coast homeowners, businesses, and vacation rental properties
Flood Insurance
NFIP and private flood insurance for Oregon Coast homeowners, businesses, and vacation rental properties
Or Get A Free QuoteOregon Coast Flood Insurance Specialists
Flood is the most common and costly natural disaster in the United States — and the Oregon Coast faces significant flood risk from coastal storms, tsunami inundation zones, river flooding, and the increasingly intense atmospheric river events that have become more frequent in recent years. Standard homeowners and commercial property insurance policies do not cover flood damage. Gerald Ross Agency specializes in flood insurance, offering both NFIP (National Flood Insurance Program) policies and private flood insurance alternatives that often provide broader coverage at competitive prices.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon Coast since 1937
- Competitive rates through market comparison
- Personalized service and claims advocacy
What's Covered
NFIP Building Coverage
Federal flood insurance for the structure of your home or commercial building, up to $250,000 for residential and $500,000 for commercial.
NFIP Contents Coverage
Federal flood insurance for your personal property and business contents, up to $100,000 for residential and $500,000 for commercial.
Private Flood Insurance
Private market flood policies often offer higher limits, broader coverage, and faster claims than NFIP — and can be more affordable.
Coastal Storm Surge
Coverage for flooding caused by coastal storm surge — a critical exposure for oceanfront and near-ocean properties.
Inland Flood Coverage
Coverage for properties near rivers, streams, and low-lying areas subject to inland flooding from heavy rain events.
Loss of Use / Rental Income
Private flood policies can include coverage for additional living expenses or lost rental income during flood repairs.
Tsunami Inundation
Specialized coverage for properties in designated tsunami inundation zones along the Oregon Coast.
Flood Mitigation Credits
Discounts for properties with elevation certificates, flood vents, and other mitigation measures.
How Oregon Flood Insurance Works
Flood Zone Assessment
We review your property's FEMA flood zone designation and elevation certificate to determine your risk level and identify the best coverage options — NFIP or private flood.
Compare NFIP vs. Private Markets
We shop both the National Flood Insurance Program and private flood carriers to find the policy with the right coverage limits, waiting period, and premium for your property.
Bind Coverage Before Storm Season
NFIP policies have a 30-day waiting period — we help you get covered well in advance of Oregon's atmospheric river and coastal storm season so you're never caught unprotected.
Claims Support When You Need It
If flooding occurs, our local team guides you through the claims process, documents losses, and advocates with the carrier to ensure you receive the full benefit of your policy.
Frequently Asked Questions
Common questions about this coverage in Oregon.
Still have questions? Our licensed agents are here to help.
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