Coverage When the Waters Rise
Flood Insurance in Missouri
Protection for the Risks Your Homeowners Policy Doesn’t Cover
Missouri Flood Insurance With Local Guidance
Flooding can happen anywhere in Missouri, near rivers, creeks, and even in suburban basements after a heavy storm. And yet, most standard homeowners policies don’t include flood coverage. At Fortner Insurance, we help homeowners, landlords, and renters get the flood protection they need through the National Flood Insurance Program (NFIP) and private carriers. Whether you live near the James River in Springfield or in a low-lying area outside Joplin, we’ll help you understand your risk and find a flood insurance policy that gives you peace of mind.
What We Offer
Flood Insurance Options for Missouri Homes and Properties
NFIP Policies
Federally backed flood insurance for structures and contents in participating communities.
Private Market Coverage
Competitive alternatives to NFIP with higher limits and faster response in some cases.
Structure & Contents Protection
Covers the cost to repair your home and replace damaged belongings after a flood.
Basement & Foundation Options
Coverage for select items like HVAC systems and structural components below ground.
Mandatory Coverage Guidance
Help navigating lender requirements for properties in designated flood zones.
Optional Add-Ons
Combine with
homeowners insurance,
renters insurance, or
landlord coverage for complete protection.
Why Choose Fortner for Flood Insurance
Honest Answers. Local Support. Real Protection.
We Understand Missouri Flood Risk
From creeks in Christian County to flatlands near Cape Girardeau, we know where flooding happens and how to prepare for it.
We Make It Clear
Flood insurance can be confusing, NFIP vs. private, elevation certificates, waiting periods, we’ll help you make sense of it.
We Help You Act Before It’s Too Late
Most flood policies have a 30-day waiting period, so don’t wait for the forecast to start thinking about coverage.
Flood Insurance FAQs
What Missouri Homeowners and Renters Ask Most
Is flood insurance required in Missouri?
Only if your property is in a high-risk flood zone and has a mortgage. But even outside flood zones, it’s often a smart move.
Does homeowners insurance cover flood damage?
No. Standard homeowners policies exclude flood damage. A separate flood policy is needed for protection.
How much does flood insurance cost in Missouri?
Rates vary based on location, flood zone, and coverage amount. We’ll help you compare NFIP and private market options.
Can I get flood insurance if I’m not in a flood zone?
Yes—and it’s often very affordable. About 25% of flood claims come from homes outside high-risk zones.
When does my flood policy go into effect?
Most flood policies have a 30-day waiting period from the purchase date—so don’t wait until it’s raining.