Contact Us

Carver Insurance Group

212 Broadway Street, PO Box 290, Carver, MN 55315
Phone : 952-448-4580
Fax : 952-448-7825
Email :

Flood Insurance

Information about Flood Insurance

  • Most properties are eligible for flood insurance. You do NOT have to be in a flood plain to get flood insurance.
  • Mortgage Lenders will require flood insurance if your property sits in a flood plain.
  • If you are not in a flood plain, then you qualify for preferred rates.
  • FEMA flood insurance policies are all the same rate no matter which company you use to access the FEMA program.
  • However, there are some Private flood insurance policies separate from FEMA. Some of their benefits are offering replacement cost coverage with higher limits.
  • A defined flood doesn’t have to be a large scale event. One definition states: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area Or of two or more properties from: Unusual and rapid accumulation or runoff of surface waters from any source.
    • If a storm drain gets blocked and water backs up onto 2 properties that can be a flood.

Partner Carriers

  • AAA - Auto Club Group
  • Allstate
  • Auto Owners
  • Badger Mutual
  • Dairyland
  • Encompass
  • First Comp
  • Foremost
  • Hagerty
  • Has San Lake Mutual
  • J.C. Taylor
  • Liberty Mutual
  • Main Street America Group
  • Motorists
  • Nationwide
  • Philadelphia
  • Progressive/ASI
  • Ram Mutual
  • Safeco
  • SFM