Flood Insurance in Dillsburg, Pennsylvania
Flooding is actually the most common natural disaster in Pennsylvania, but fewer than 2% of homes here carry flood insurance. Most home and business owners believe their homeowners insurance or FEMA would assist them with damage caused by flooding.
Homeowners and businessowners policies generally do not cover flooding from outside water sources. FEMA does assist with catastrophes, but for substantial damage, they typically only offer limited loan amounts that need to be repaid.
We offer a FEMA-based flood policy through the National Flood Insurance Program, along with multiple private flood insurance options, so we can shop for the best program for the customer.
Why work with a local agent
- Your homeowners policy generally isn't going to cover rising surface floodwater
- The question isn't simply whether you live next to a river — it's whether several inches of rain can find its way into your home
- Access to both the NFIP program and multiple private flood carriers, shopped side by side
- A local agent who reviews your actual location and exposure, not just a flood-zone label
What this coverage typically includes
- When Tropical Storm Lee flooded Pennsylvania in 2011, nearly 5,000 homes were damaged just in the Harrisburg–Lebanon area alone
- Superstorm Sandy (Oct. 29–30, 2012) caused about $20 million in damage in Pennsylvania and resulted in 15 deaths statewide
- Hurricane Ida (September 1 and 2, 2021) dumped as much as 5–10 inches of rain across eastern and south central Pennsylvania in roughly six hours
- Some streams during Ida experienced what would be considered a 100-year or even 500-year flood; Pennsylvania suffered about $117 million in damage
Exact coverage, limits and availability depend on the policy issued. We'll confirm the specifics with you before anything is bound.
Flood Insurance across the agency's service area
The office is in Dillsburg, and this coverage is available throughout the surrounding area — including Mechanicsburg, Lewisberry, Boiling Springs, Franklintown, Hershey and Hanover, Camp Hill, Carlisle, Gettysburg, Harrisburg. Meet in person on US-15, or handle everything by phone, text or email if that's easier.
See every community we serveFlood Insurance questions we hear often
- Doesn't my homeowners policy cover flooding?
- Homeowners and businessowners policies generally do not cover flooding from outside water sources. Rising surface water is excluded, which is why a separate flood policy exists.
- Won't FEMA cover me if there's a disaster?
- FEMA does assist with catastrophes, but for substantial damage they typically only offer limited loan amounts that need to be repaid.
- I'm not in a flood zone — do I still need it?
- The question isn't simply whether you live next to a river. It's whether several inches of rain can find its way into your home. We can review your address and price both NFIP and private options.
Related coverage
Get a flood insurance quote from a local agent
Call the office, book a time, or send your details through the contact page and we'll follow up.