Personal Flood

Flood Insurance for Individuals

IAT Insurance Group offers flood coverage for residential property through its National Flood Insurance Program Write Your Own carrier, Occidental Fire & Casualty Company of North Carolina. This insurance is fully backed by the National Flood Insurance Program (NFIP) and is offered for Building and Contents. 

The Flood Insurance Program is available in all states except Hawaii. This program is managed by our IAT Flood Insurance office in Bradenton, FL. 

Why is Flood Insurance Important?

All homes are vulnerable to flooding. Floods are the number one natural disaster in the United States, and homeowners’ policies do not typically include flood coverage. More than 20% of flood insurance claims are from properties outside of a high-risk flood zone and according to FEMA, properties in a low- or moderate-risk area for flooding are five times more likely to experience a flood instead of fire in a 30-year period.

In the event of a flood, Federal Government Assistance may be limited or unavailable. Federal Disaster Assistance is available only if the president declares a disaster. Disaster Assistance can be in the form of a loan which must be paid back – or a grant, which is about $5,000 on average per household. Both have strict eligibility requirements and many flood survivors may not qualify.

Having flood insurance ensures coverage and protection, even if there is no federal declaration of a disaster. The average flood insurance claim is nearly $30,000 and does not have to be repaid.

  • The low-cost Preferred Risk Policy is ideal for homes currently mapped in low-to-moderate risk areas – and it costs homeowners an average of $450 per year
  • A policy covers flooding resulting from hurricanes, overflow of inland or coastal waters, pooling or runoff of surface waters from any source, and mudflows

For Appointments

To enroll in our flood program, please download and complete the Flood Enrollment Form. Visit our IAT Flood Agent site for additional resources and tools.

For Claims

Phone: 800-759-8656
Fax: 866-528-3252

Contact Us

For questions or inquiries regarding our flood program, please email

Manage My Policy

To manage your policy, please select the Manage My Policy link within the Additional Resources section. Here, policyholders can make payments, report a loss, print policy documents and make mortgagee changes.