Call Us 610-367-2544 ☰ ˟
Logo
Our Carriers
Our Carriers Call Us: 610-367-2544
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Privacy Policy Notice
      • Our Locations
    • BlogImage of right arrow
      • GHR's Did You Know
    • Community Involvement
    • Testimonials
    • Employee Directory
    • Contact UsImage of right arrow
      • Boyertown Office
      • Red Hill Office
      • Holiday Hours
  • Products
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Fidelity Bonds
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Accident Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Earthquake Insurance
      • Flood Insurance
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Health Insurance for College Students
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
      • Golf Cart Insurance
    • Financial ServicesImage of right arrow
      • Annuities
      • Pension Plans
      • Traditional & Roth IRAs
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
  • Get A Quote
  • Resources
    • Refer a Friend
    • Insurance Glossary
    • Important Links
    • News & Events
    • Calculators
  • Contact Us
    • Boyertown Office
    • Red Hill Office
    • Location & Hours
    • Holiday Hours
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote

Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Health Icon

Health & Medicare

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Group Benefits Icon

Group Benefits

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > Flood Insurance in Pennsylvania
FRIDAY, JANUARY 31, 2025

Flood Insurance in Pennsylvania

Flooding is a natural disaster that can cause significant damage to homes and properties. In Pennsylvania, where heavy rains and snowmelt are common, the risk of flooding is a reality that many residents face.

white volkswagen beetle on snow covered ground during daytime

Flood insurance is a specialized policy that covers damage caused by flooding, which is typically not included in standard homeowners' insurance. This type of insurance is essential because even a few inches of water can lead to thousands of dollars in repairs.

When a flood occurs, the costs of repairing or rebuilding your home, replacing personal belongings and addressing other damages can be overwhelming. Flood insurance helps mitigate these expenses, ensuring you can recover more quickly and with less financial strain.

It's important to note that flood insurance policies typically have a 30-day waiting period before they take effect. This means you cannot purchase a policy at the last minute when a storm is approaching. Planning ahead and securing flood insurance well in advance is essential to ensure you are covered when you need it most.

Who Provides Coverage?

In Pennsylvania, the National Flood Insurance Program (NFIP) is a primary source of flood insurance for homeowners. This federal program provides affordable flood insurance to property owners, renters and businesses. Some private insurance companies also offer flood insurance policies that may provide different coverage options or higher limits than those available through the NFIP.

How Much Does Flood Insurance Cost?

Flood insurance premiums are determined by various factors, including the property's location, elevation and the amount of coverage chosen. While premiums can vary, the cost of flood insurance is often a small price to pay compared to the potential financial burden of flood damage.

Contact Us

Contact Gerhart, Hartman & Ritner for a flood insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Posted 12:26 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • business insurance(2)
  • auto insurance(2)
  • health insurance(1)
  • recreational vehicle insurance(1)
  • camping(1)
  • homeowners insurance(1)
  • home insurance(1)
  • rv(1)
  • travel(1)
  • commercial auto insurance(1)
  • group life insurance(1)
  • special events insurance(1)

View Mobile Version

Contact Us Today!
610-367-2544

Social Social Social

Resources

  • Our Products
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

138 S. Reading Ave. | Boyertown, PA 19512
P: 610-367-2544 | Fx: 610-367-2656 |
© Copyright. All rights reserved. | Powered by Insurance Website Builder