Flood Insurance Insurance in Jacksonville, FL
Don’t Let Water Wash Away What You’ve Built
Flood damage can be devastating—and costly. At Treaty Oak Agency, we believe you deserve peace of mind knowing your home and belongings are protected. Many homeowners are surprised to learn that even a single inch of water in your home can cause thousands of dollars in damage—and that flood damage isn’t covered by most standard homeowners policies.
Below, we’ve outlined just how costly flooding can be in three different home scenarios, so you can make an informed decision about flood insurance.
Guide to the Costs of Flood Damage
Scenario 1: Average Home
2,500 sqft one-story home, $50,000 worth of belongings
| Water Depth | Home Damage | Belongings Damage | Total Cost |
|---|
| 1 inch | $23,635 | $3,172 | $26,807 |
| 3 inches | $24,370 | $4,917 | $29,287 |
| 12 inches | $39,845 | $32,317 | $72,162 |
| 48 inches | $53,355 | $50,000 | $103,355 |
Scenario 2: Small Home
1,000 sqft one-story home, $20,000 worth of belongings
| Water Depth | Home Damage | Belongings Damage | Total Cost |
|---|
| 1 inch | $9,550 | $1,269 | $10,819 |
| 3 inches | $9,820 | $1,970 | $11,790 |
| 12 inches | $16,550 | $12,810 | $29,360 |
| 48 inches | $23,400 | $20,000 | $43,400 |
Scenario 3: Large Home
5,000 sqft multi-story home, $100,000 worth of belongings
| Water Depth | Home Damage | Belongings Damage | Total Cost |
|---|---|---|---|
| 1 inch | $47,110 | $6,344 | $53,454 |
| 3 inches | $48,620 | $9,828 | $58,448 |
| 12 inches | $78,670 | $64,849 | $143,519 |
| 48 inches | $103,280 | $100,000 | $203,280 |
Why Flood Insurance?
Floods can happen anywhere—it’s not just coastal or high-risk areas. And once the water rises, it’s too late to get coverage. Flood insurance from The Hartford can help cover repairs to your home and replacement of damaged belongings, so you’re not left paying out of pocket.
Ready to Protect Your Home?
Flood insurance is more affordable than you might think. Don’t wait for the next storm to find out you’re unprotected.
Call us today at 904-500-3900 or click below to begin your application.
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