Flood Insurance in Minnesota – Protection When You Need It Most
Flooding can happen anywhere — not just in floodplains. At Carver Insurance Group, we help families and businesses in Carver, Chaska, Shakopee, Chanhassen, and across Minnesota get reliable flood insurance that protects homes, belongings, and peace of mind. Whether required by your mortgage lender or chosen for added security, flood coverage ensures you’re never left unprotected when the unexpected happens.
What Flood Insurance Covers
Building Coverage
Protection for your home, basement, garage, or business structure if flooding occurs.
Personal Property Coverage
Covers furniture, appliances, electronics, and valuables damaged by floodwaters.
Replacement Cost Coverage (select policies)
Some private flood insurance policies cover replacement costs for your home and belongings, not just depreciated value.
Liability Coverage
Helps cover damages or injuries related to flooding incidents on your property.
Loss of Use / Temporary Living Expenses
Pays for temporary housing and other costs if your home becomes unlivable due to flooding.
Why Flood Insurance Matters in Minnesota
Many Minnesotans assume they don’t need flood insurance because they’re not in a high-risk area. But even a blocked storm drain, heavy rainfall, or rapid snowmelt can cause flooding. Without coverage, you could face tens of thousands of dollars in out-of-pocket costs.
At Carver Insurance Group, we guide you through FEMA’s National Flood Insurance Program (NFIP) as well as private flood insurance options, helping you choose the right coverage based on your location and property needs.
Protect Your Home and Belongings Today
Floods don’t wait, and neither should you. With Carver Insurance Group, you’ll get clear guidance, multiple carrier options, and the confidence of working with local Minnesota agents who understand your risks.
