Flood & Earthquake Insurance That Fills the Gaps
Flooding & earthquakes can cause major damage—and most homeowners policies don’t cover either. Whether you’re required to carry flood insurance or just want added peace of mind, we’ll help you understand your options and find a plan that fits your home, location, & budget.
Standard Policies Don’t Cover Everything
Extra Protection for Oklahoma’s Most Unpredictable Risks
When the Ground Shakes or Waters Rise
We Know What Home Policies Miss
We’ll explain exactly what your current coverage includes—and what it doesn’t—so you can close any costly coverage gaps before it’s too late.
We Shop Federal & Private Options
From FEMA’s National Flood Insurance Program to private earthquake carriers, we’ll find the right match for your needs & property type.
We Help You Understand Your Risk
Not sure if you’re in a high-risk zone? We’ll review maps, local trends & elevation data so you know where you stand—then build coverage accordingly.
Flood Insurance
Flood Insurance
Floods are the most common natural disaster in the U.S.—and your homeowners insurance doesn’t cover them. We’ll help you choose a policy that meets lender requirements & covers structural damage, personal belongings & more.
- Available through FEMA or private carriers
- Required in many high-risk zones
- Covers buildings & contents
- Optional basement coverage
- Available for homeowners & renters
Earthquake Insurance
Earthquake Insurance
Earthquakes may be rare, but when they hit, the damage can be catastrophic. Earthquake insurance helps cover structural repairs, debris removal & temporary housing.
- Available for single-family homes, mobile homes & condos
- Covers foundation & frame damage
- Optional personal property coverage
- Can include loss of use
- Deductibles based on rebuild cost
Risk Assessment & Planning Support
Risk Assessment & Planning Support
Not every home needs this coverage—but every homeowner should understand their exposure. We’ll help you assess your location, soil type, flood zone & more.
- Flood map reviews
- Elevation & base flood level checks
- Earthquake zone determination
- Advice on required vs optional coverage
- Localized support from agents who live here
Big Disasters, Clear Answers
Flood & Earthquake Insurance FAQs
Is flood insurance required by law?
If your home is in a federally designated flood zone & you have a mortgage, yes—it’s required. Outside of high-risk zones, it’s still a smart layer of protection.
Does homeowners insurance cover earthquake damage?
No—earthquake damage is not covered by standard homeowners policies. You’ll need a separate endorsement or policy.
Can I buy flood or earthquake coverage anytime?
Flood insurance has a 30-day waiting period unless tied to a loan closing. Earthquake coverage may start sooner, depending on the carrier.
What does flood insurance usually cover?
It covers the building structure, appliances, flooring & certain contents. High-value personal items may need added coverage.
How much does earthquake insurance cost in Oklahoma?
It depends on your home’s location, structure, foundation & value. We’ll provide quotes & help you weigh cost vs risk.
These Events Are Rare—But the Damage Isn’t
We can’t control Oklahoma’s weather or seismic shifts—but we can help you protect your home from what most insurance plans ignore.
Even if your area isn’t “high risk”, the cost of repair can be life-changing. We’ll help you understand your exposure & insure what matters—on your terms.