Flood Insurance

tailored solutions to your driving needs

Welcome to Flood Insurance

Flooding is one of the most common and costly natural disasters—and it can happen when you least expect it. At First State Insurance Agency, we offer specialized flood insurance to help protect your home, property, and peace of mind from rising waters. Whether you live in a high-risk zone or just want added security, we’re here to help you stay prepared.

Building Property Coverage

Protects your home’s structure, foundation, electrical and plumbing systems, and built-in appliances from flood-related damage.

Personal Property Coverage

Covers belongings such as furniture, electronics, clothing, and valuables that are damaged due to flooding.

Optional & Excess Coverage

For high-value homes or properties outside NFIP eligibility, we offer private flood insurance options with broader protection and higher limits.

coverage for your location and risk level

Coverage You Can Count On

Standard homeowners and renters insurance policies typically do not cover flood damage. That’s why flood insurance is essential for protecting your property against water damage caused by heavy rain, snowmelt, hurricanes, or overflowing bodies of water. We offer policies backed by the National Flood Insurance Program (NFIP) as well as private flood options to ensure you get the right coverage for your location and risk level.
personal peace of mind

Local Support, National Protection

Our team understands the flood risks specific to our region and will help you assess your property’s vulnerability. Whether you need building-only coverage, contents coverage, or both, we’ll guide you through your options and help you secure a policy that meets federal requirements and personal peace of mind. With First State Insurance Agency, you get local service with national strength.

Multiple Offices

Our Offices

Worthington, MN

Sioux Falls, SD

Pipestone, MN