Flood: Most Costly Disaster in the United States

Let HPSI get your risk protected!
At HPSI, we can place your Flood Hazard exposures up to $20 Million in limits with markets that are an alternative to the NFIP. Replacement Cost coverage is available and Business Interruption/Loss of Use can be written for qualified risks. Coverage can be primary and/or excess, with agreed amount coverage on sub-limits. For risks at or below $2,500,000 in values, we can offer fast turnaround time.  We offer competitive pricing, as our markets can be as much as 10 -20% lower than the NFIP.


  • $10 Million Capacity Available
  • Minimum distance to the water is .25 miles
  • A, X, B & C Zones are eligible
  • ‘A’ Rated Carrier
  • Replacement Cost Coverage Available
  • Business Interruption Coverage Available
  • Commercial Buildings, Apartments, Condos & HOA’s eligible
  • NFIP/FEMA Compliant Policy Form
  • Can consider risks up to -2 foot (From BFE)
  • Not a market for barrier Island risks or COBRA business


  • $10 Million Capacity Available
  • Excess over NFIP and Select Other Carriers
  • Replacement Cost Available
  • Business Income Available with Proper Deductible
  • Not a market of barrier island or risks with prior Flood losses
  • Elevation Certificates are encouraged

Both the Primary & Excess Flood Programs are available in CA, FL, GA, NC & SC.

We also have a market for Select “V’ Zone risks in CA, TX, LA, MS, AL, FL, GA, SC, NC, NJ, & NY.

Contact John Malejko to learn more about these products. jmalejko@hpsi-ins.com