Serving Delaware, Maryland and Pennsylvania
Get A Quote For Delaware Flood Insurance
Protect Your Home or Business from Costly Flood Damage — Even If You're Not in a Flood Zone
Flooding is the most common and costly natural disaster in the U.S. — and standard homeowners insurance doesn't cover it. Whether you live in a designated flood zone or not, Downes Insurance Associates can help you get the flood insurance protection you need in Delaware.
Why You Need Flood Insurance in Delaware
From coastal storms to inland flooding, Delaware faces significant flood risk. You may need coverage if you:
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Live near the Delaware River, Chesapeake Bay, or coastal areas like Rehoboth or Lewes
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Own property in FEMA-designated flood zones
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Have a mortgage with federal backing (which often requires flood insurance)
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Simply want peace of mind during hurricane season
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⚠️ One inch of water can cause over $25,000 in damage. Don’t wait until it’s too late.
To take the first step towards peace of mind, please fill out the form below as completely as possible. Once finished, click the Submit button and rest assured that your request will be handled promptly.
What Does Flood Insurance Cover?
We offer policies through the National Flood Insurance Program (NFIP) and select private flood carriers.
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Building Coverage: Foundation, electrical/plumbing, appliances, HVAC, walls, detached garage
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Contents Coverage: Furniture, electronics, clothing, valuables, washers/dryers
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Loss Avoidance Measures: Sandbags, water pumps, moving belongings (in some cases)
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Optional Private Coverage: Higher limits, basement contents, loss of use, replacement cost on contents
NFIP max limits: $250,000 for the building / $100,000 for contents. Private flood can offer more.
Who Needs Delaware Flood Insurance?
We recommend flood insurance for:
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Homeowners in moderate or high-risk zones
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Condo owners with units on lower levels
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Landlords and vacation property owners
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Small businesses in flood-prone areas
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Renters who want to protect personal belongings
Flood risk doesn’t stop at the flood map — 20% of flood claims come from outside high-risk zones.
Why Choose Downes Insurance?
We’ve been helping Delaware residents protect their homes and businesses for over 30 years. Here’s what you get with us:
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Guidance on NFIP vs. private flood options
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Help understanding your flood zone and risk level
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Fast quotes with expert local advice
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Optional bundling with homeowners or landlord policies
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Claims support and policy updates when FEMA maps change
“After Hurricane Ida, we saw how flood insurance saved our neighbor’s home. Thanks to Downes Insurance, we were covered too.” — Homeowner, Dover DE
📞 Get a Fast, No-Obligation Flood Insurance Quote
Protect your biggest investment from the #1 natural disaster in Delaware.
👉 Call (302) 422-8863
👉 Ask about bundling flood with your home or rental property policy!
We Insure Properties Across Delaware
Serving All of Delaware
We proudly serve businesses throughout Delaware, including:
Wilmington • Newark • Dover • Middletown • Smyrna • Milford • Georgetown • Rehoboth Beach • Seaford • Lewes • Dewey Beach • Harrington • Houston • Frederica • Greenwood • Slaughter Beach • Felton • Magnolia