Flood

Flooding is the most common natural disaster worldwide, with over 40% of all disasters involving flooding. Climate change has also exacerbated the frequency and intensity of flooding, with over 30% of events occurring outside of designated high-frequency flood zones in the past 10 years. Despite its recurring nature and increased severity, flood exposure represents the largest segment of underinsured and uninsured risk within the United States. 

The Burns & Wilcox Flood Practice Group offers a wide array of customized Flood Insurance products across some of the most expansive Private Flood markets in the United States. Our innovative solutions provide Flood coverage for homes and businesses across numerous scenarios and layers. Reinforced by strong carrier partnerships and aligned with cutting-edge modeling technology, Burns & Wilcox can provide increased insights into flood exposures in various risk locations.

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Recent Flood Wins

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$61,828

Primary Dwelling in California Excess Flood

$56,000

Commercial Convention Center Excess Flood in Washington DC

$50,000

Large Commercial Retailer Primary Flood for 32 buildings across 16 Atlantic states

$30,000

Rental Dwelling Excess Flood in Florida

Areas Of Specialty

Residential Dwellings
  • Primary & Excess Flood
    • All Occupancies with no surcharge for Occupancy Type
    • Vacant 
    • Course of Construction
    • CBRA/CBRS Flood Zones Eligible
    • Coverage Enhancements for Valuation, Basements, Pools, and Other Structures Available
    • Multi-location Scheduling
    • Direct & Indirect Loss Coverages Available
    • Customizable Attachments
Commercial Buildings
  • Primary & Excess Flood
    • Direct & Indirect Loss Coverages
    • Multi-location Scheduling
    • Replacement Cost Valuation Available
Habitational Buildings
  • Primary & Excess Flood
    • Apartments
    • Hotels/Motels
    • Direct & Indirect Loss Coverages
    • Multi-location Scheduling
    • Replacement Cost Valuation Available
Condo Units
  • Primary & Excess Flood
    • Units in the Name of Individual or LLC
Condo Associations
  • Primary & Excess Flood
    • Customizable attachments
    • Buildings in the name of a Condo Association
Other Detached Residential Structures
  • Primary & Excess Flood
    • Endorsement or Stand-alone options available
    • Detached, Enclosed Buildings such as gyms, studios, offices on a residential property

Available Products

  • Private Primary Flood (AM Best A+ Rated Paper)
  • Excess Flood (Lloyd’s and Domestic)
Serving you and your clients

Your Local Team

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Underwriter, Flood
Works at Denver Office Map
Underwriting Manager, Flood
Works at Charlotte Office Map
Associate Vice President
National Product Manager, Flood
Works at Morehead City Office Map

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