Protect your property from flood damage before it happens

A person wearing yellow rain boots and a plastic poncho is walking in the water.
A house is sitting on the shore of a lake surrounded by trees.

Flood insurance that keeps you covered when disaster strikes

Standard home and business insurance policies don’t cover flooding—leaving many property owners unprotected when disaster hits. At Thill-Demerly Insurance Agency, we specialize in flood insurance, offering policies from 20+ providers. Whether you need coverage for your home, rental property, or business, we help you find the right protection before it’s too late.

Customized flood protection for homes and businesses

Residential Flood Insurance

Covers structural damage, belongings, and repair costs after a flood.

Commercial Flood Insurance

Protects business properties, inventory, and lost income due to flooding.

NFIP & Private Policies

Options from both government-backed and private insurance providers.

Flooding happens fast. The right insurance keeps your recovery just as quick

Why choose Thill-Demerly for your flood insurance?

Specialized expertise

We’ve made flood insurance a priority, not an afterthought.

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More provider options

We work with 20+ carriers for competitive rates.

Covers more risks

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Protection for homes, rentals, and commercial properties.

Fast claims processing

Get back on your feet with hassle-free claims support.

NFIP & private plans

Choose government-backed or expanded private flood coverage.

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Real estate & agent support

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Trusted by realtors, surveyors, and insurance professionals.

Common questions about flood insurance

  • Why isn’t flood damage covered by standard homeowners insurance?

    Most home and business insurance policies exclude flood damage because it’s considered a high-risk event. A separate flood insurance policy is required to protect your property from rising water and storm surges.

  • What’s the difference between NFIP and private flood insurance?

    NFIP (National Flood Insurance Program) policies offer government-backed protection but have limits on coverage. Private flood insurance provides more flexibility, higher coverage limits, and additional benefits. We help you explore both options.

  • How much does flood insurance cost?

    Flood insurance rates depend on your property’s location, elevation, and risk level. We compare multiple providers to find an affordable policy that meets your needs.

  • Do I need flood insurance if I’m not in a high-risk zone?

    Yes! Over 20% of flood claims come from low or moderate-risk areas. Even if you’re not required to have it, flood insurance is an affordable way to protect your home or business.

  • Why should I choose Thill-Demerly for my flood insurance?

    We don’t just sell flood insurance—we specialize in it. Our deep industry knowledge and network of providers mean you get tailored coverage, better pricing, and expert support when it matters most.