--- title: Personal Flood Insurance | Water Damage | Home Protection description: Protect your home from costly flood damage with Personal Flood Insurance. Get customized policies, verify your flood risk, and secure coverage today! image: https://insurance.concklin.com/hubfs/flooded-houses-from-hurricane-rainfall-water-in-fl-2024-09-04-01-21-14-utc-1-1.jpeg --- [Skip to content](https://insurance.concklin.com/flood-insurance#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- # Personal Flood Insurance ## **Protect Your Home with Personal Flood Insurance** Floods are the most common and costly natural disasters in the United States, yet they are not covered under standard homeowners insurance policies. Protecting your home and belongings from flood damage requires a separate flood insurance policy. ### **Why Flood Insurance is Essential** Many homeowners are unaware that even a few inches of water can lead to significant damage and costly repairs. Whether you live in a high-risk flood zone or an area with a lower risk, flooding can happen anywhere due to heavy rains, hurricanes, snowmelt, or river overflows. ### **Know Your Risk** While floods can strike anywhere, certain areas are more prone to flooding. High-risk flood zones are typically near rivers, coasts, or other bodies of water, but areas outside these zones are not immune. In fact, more than 20% of flood claims come from properties outside high-risk zones. ### **Verify Your Flood Zone Accurately** Understanding your flood risk is crucial to making informed decisions. Always verify your flood zone through a reliable source like FEMA. Online real estate listing platforms or automated tools may not provide accurate or up-to-date information about flood risks. Trusting verified sources ensures you have the most reliable data. You can enter an address into [FEMA Flood Map Service Center](https://msc.fema.gov/portal/search) to determine a property's risk - free of charge! Or one of our Insurance Professionals will be happy to help. ### **What We Offer** At Concklin Insurance Agency, we provide customized Personal Flood Insurance policies tailored to meet your needs. Whether you’re protecting your primary residence, rental property, or vacation home, our expert team can help you navigate your options and ensure you’re prepared for the unexpected. ### **Don’t Wait Until It’s Too Late** Flood insurance typically has a 30-day waiting period before it becomes active. Don’t delay—secure your coverage today and gain peace of mind knowing your home and assets are protected. ### Contact Us for a Personalized Quote Protect your property from flood risks with Concklin Insurance Agency. Our team is here to guide you every step of the way. Call us today or fill out our quick online form to get started! ### Request More Information ## Talk to one of our Insurance Professionals --- ![Karyn Lochow Square](https://insurance.concklin.com/hs-fs/hubfs/Karyn%204.jpeg?width=300&height=300&name=Karyn%204.jpeg "Karyn Lochow Square") ### Karyn Lowchow #### [karyn@concklin.com](mailto:karyn@concklin.com) ##### Account Manager ![Kara Pallai](https://insurance.concklin.com/hs-fs/hubfs/Kara%201.jpeg?width=300&height=300&name=Kara%201.jpeg "Kara Pallai") ### Kara Pallai #### [kara@concklin.com](mailto:kara@concklin.com) ##### Account Manager ## The Concklin Difference --- Family Owned Small Business We understand small business because we are one. Concklin Insurance Agency was started by Craig Concklin and his father, Tom Concklin in 1981.  We continue to be a family owned, small business to this day. Independent Insurance Agents Concklin Insurance Agency has relationships with over 30 insurance carriers.  This means we have options to make sure you have the coverage you need, at the best value - uninterrupted. Value Added Services We offer a wide range of value added services including our [Client Resource Portal](https://insurance.concklin.com/client-portal) and comprehensive [Training and Learning Solutions Portal.](https://insurance.concklin.com/hubfs/One%20time%20use/ZywaveLearning_ForClient_Course%20List_8_31_20.pdf) Community Involvement We understand the importance of community. Which is why we participate in fund raisers, and donate directly to local and national nonprofits.   Client Advocacy As Trusted Insurance Advisors we are your advocate for all things insurance. We are here to talk about ways to mitigate your losses, provide insights into the insurance market and trends, and ,should a claim occur, we are in your corner every step of the way. Referral Program At the end of every quarter we donate $20 for each referral we receive. If you'd like to learn more about our referral program, or send us a referral -[click here.](https://insurance.concklin.com/referrals) ## Check out our blog --- [![](https://insurance.concklin.com/hs-fs/hubfs/Does%20Your%20Car%20Insurance%20Cover%20Someone%20Else%20Driving%20Your%20Car.png?height=200&name=Does%20Your%20Car%20Insurance%20Cover%20Someone%20Else%20Driving%20Your%20Car.png)](https://blog.concklin.com/does-your-car-insurance-cover-someone-else-driving-your-car) ## [Does Your Car Insurance Cover Someone Else Driving Your Car?](https://blog.concklin.com/does-your-car-insurance-cover-someone-else-driving-your-car) You hand your keys to a friend so they can run an errand. On a long road trip, you switch drivers... [Read more](https://blog.concklin.com/does-your-car-insurance-cover-someone-else-driving-your-car) [![](https://insurance.concklin.com/hs-fs/hubfs/When%20a%20Deer%20Causes%20an%20Accident%20Understanding%20Your%20Auto%20Insurance.png?height=200&name=When%20a%20Deer%20Causes%20an%20Accident%20Understanding%20Your%20Auto%20Insurance.png)](https://blog.concklin.com/when-a-deer-causes-an-accident-understanding-your-auto-insurance) ## [When a Deer Causes an Accident: Understanding Your Auto Insurance](https://blog.concklin.com/when-a-deer-causes-an-accident-understanding-your-auto-insurance) Deer collisions become a greater concern for drivers in the fall, especially in areas with wooded... [Read more](https://blog.concklin.com/when-a-deer-causes-an-accident-understanding-your-auto-insurance) [![Concklin Logo](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Restaurants](https://restaurants.concklin.com) - [Franchised Restaurants](https://restaurants.concklin.com/franchised-restaurants) - [Contractors](https://insurance.concklin.com/general-contractor-insurance) - [Habitational](https://insurance.concklin.com/habitational-insurance) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Business Owners' Policy](https://insurance.concklin.com/business-owners-insurance-policy) - [Commercial Property](https://insurance.concklin.com/commercial-property-insurance) - [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) - Workers' Compensation - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - [Homeowners' Policy](https://insurance.concklin.com/homeowners-insurance) - [Personal Auto Policy](https://insurance.concklin.com/auto-insurance) - [Personal Umbrella Policy](https://insurance.concklin.com/personal-umbrella-insurance) - [Flood Insurance](https://insurance.concklin.com/flood-insurance) - Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. MISSTATEMENTS OR OMISSIONS OF RELEVANT INFORMATION CAN LEAD TO PRICE VARIATION OR EVEN DECLINATION OR RESCISSION OF COVERAGE. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE IS A GUARANTEE THAT INSURANCE WILL BE PROVIDED OR THAT CONCKLIN INSURANCE AGENCY IS OBLIGATED TO PROCURE INSURANCE FOR ANY WEBSITE VISITORS. 240 S. WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@id" : "https://insurance.concklin.com/#organization", "@type" : [ "Organization", "LocalBusiness", "InsuranceAgency" ], "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Lombard", "addressRegion" : "IL", "postalCode" : "60148", "streetAddress" : "240 S. 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