Pays to repair or rebuild damaged walls, floors, doors, and other parts of your home after rising water enters from outside.
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Flood Insurance.
Ready When It Matters.
Orion180 Flood Insurance delivers fast approval, reliable protection, and the support you need when flooding becomes more than a possibility.
WHY YOU NEED FLOOD INSURANCE
Flooding Happens More Than You Think.
Flooding is the most frequent and often most expensive natural disaster in the U.S. Yet most homeowners policies don’t include it. Just one inch of water can cause over $25,000 in damage. Orion180 fills the gap with coverage designed for today’s risks — from inland runoff to coastal surge.
WHY FLOOD INSURANCE MATTERS
When Home Insurance Isn't Enough.
Fills the Gap
Standard home insurance doesn’t cover rising water from outside. Flood insurance helps close that critical gap.
Higher Coverage Limits
Protect more than the basics, including your home, belongings, and temporary housing if needed.
Coverage Starts Sooner
Orion180 policies activate in just 10 days, compared to the 30-day wait required by federal programs.
Pricing That Fits
Your rate reflects your property’s actual elevation and risk — not just a generic zone on a flood map.
Coverage Details
What Flood Insurance Covers.
Your Home's Structure
Systems & Utilities
Covers electrical, plumbing, HVAC systems, and your foundation — protecting the essential infrastructure your home depends on every day.
Personal Belongings
Protects furniture, clothing, electronics, and other belongings damaged or destroyed in a covered flood event.
Loss of Use Coverage
Helps with hotel stays and added living expenses if your home is unlivable while repairs are made after a covered flood.
Flood Debris & Dry-Out
Covers debris removal, drying services, and cleanup — getting your space ready for repairs and helping you recover faster.
Basements & Crawlspaces
Includes limited coverage for systems, structural components, and essential equipment located in lower levels of the home.
What Flood Insurance Doesn't Cover.
Burst pipes or plumbing leaks.
Overflow from tubs or appliances.
Sewer or drain backups.
Gradual seepage or mold.
Damage from poor maintenance.
Detached garages or sheds.
Vehicles or outdoor equipment.
Landscaping, trees, or fences.
WATER DAMAGE VS. FLOOD DAMAGE
Two Types of Damage.
Two Types of Protection.
Water damage and flood damage may sound similar, but they’re covered very differently. Knowing the difference can help make sure you have the right protection in place.
Water Damage
Caused by issues inside your home, such as burst pipes, appliance leaks, or backed-up plumbing.
Covered by: Home Insurance
Flood Damage
Caused by water entering from outside, including heavy rain, storm runoff, or overflowing rivers.
Covered by: Flood Insurance
Why Choose Orion180
Flood Coverage Backed by Commitment and Compassion.
Coverage Starts Sooner.
Orion180 policies begin in as little as 10 days. That means you’re covered faster than with federal programs and better prepared for the unexpected.
Driven by Data and Innovation. Priced Right.
Orion180 uses property-specific data such as elevation, terrain, and drainage to provide pricing that reflects how your home actually handles flood risk.
Service That Stands out.
With strong financial ratings and an average 14-day claims resolution, and 3,000+ Google 5 Star reviews, Orion180 delivers support you can always count on.
Personalized Risk-Based Pricing
Rates That Reflect Your Property.
Orion180 flood insurance pricing isn’t based on outdated maps. We use detailed data to evaluate how your property handles water and provide rates on accurate flood risk.
Elevation
Homes built above base flood elevation (BFE) often qualify for lower premiums due to reduced flood exposure.
First Floor Height
The higher your home’s first floor sits above ground, the less likely it is to experience damage from rising water.
Proximity to Water
Homes farther from rivers, lakes, or the coast tend to carry lower risk and may receive better pricing.
Surrounding Topography
Natural slopes or grading that directs water away from your home can reduce potential flood impact.
Drainage Conditions
Homes in areas with strong drainage or modern infrastructure may face less pooling and qualify for improved rates.
Pinpoint Location Analysis
We use rooftop-level geocoding to evaluate your home’s exact location — not just a neighborhood average.
FAQs
Common Questions About Flood Insurance.
Do I need flood insurance if I’m not near water?
Yes. Flooding can happen anywhere — not just near rivers or coastlines. In fact, over 40% of flood claims come from homes outside high-risk flood zones. Heavy rain and runoff can be just as damaging as storm surge.
Does my home insurance cover flood damage?
No. Standard homeowners insurance typically covers water damage from inside the home, like burst pipes or leaks. Flood insurance is a separate policy that covers water entering from outside, such as rain, runoff, or rising water from nearby sources.
How soon does coverage begin?
Orion180 flood insurance can start in as little as 10 days. That’s quicker than the 30-day waiting period required by federal programs, which means you're protected sooner.
Can I customize my flood insurance policy?
Yes. You can choose your coverage level and deductible to fit your home and budget — with options that provide the protection you need without unnecessary extras.
What makes Orion180’s flood insurance different?
We price based on how your property actually handles water — using elevation, location, and drainage to provide a more accurate rate than traditional zone-based policies.
Can I bundle flood and home insurance?
Yes, If both policies are available in your state, bundling may help you save and keep your coverage in one place. Bundling is currently available in Alabama, Mississippi, North Carolina, and South Carolina. Use our interactive map to check the availability of all Orion180 solutions in your state.
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See If Orion180 Flood Insurance
Covers Your State.
Orion180 offers flood protection in growing regions across the country.
Use our interactive map to find out if your state is covered.