Flood Insurance for Churches & Nonprofits

Why Flood Coverage Matters

Property policies exclude flood-close the gap before storm season

Flood insurance for churches and nonprofit flood insurance address rising water from storm surge, heavy rain, overflowing lakes, and rapid runoff-events common across Florida and the Southeast. From Tampa Bay and Plant City to Orlando, Jacksonville, Savannah, Charleston, and the Upstate around Greenville, Strong Tower Insurance helps ministries evaluate zones, choose deductibles, and pair NFIP with private options when higher limits are needed.

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What Flood Policies Cover

What Flood Policies Cover

Building Coverage:

structure, foundation, electrical, HVAC, and permanently installed fixtures (sanctuaries, classrooms, offices, kitchens).

Contents Coverage:

pews, chairs, sound boards, A/V gear, musical instruments, books, computers, nursery items, and supplies.

Common Exclusions:

landscaping, outdoor property not listed, and many basement finishes. Fine arts or pipe organs may require scheduled limits or a separate floater-ask us to review.

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NFIP vs. Private Flood

Pick the right path for your campus and budget

NFIP commercial policies typically offer up to $500,000 for building and $500,000 for contents per location with a standard 30-day waiting period (except certain lender or map-change situations). Private flood carriers can provide higher limits, different waiting periods, and broader options-especially helpful for multi-building campuses, schools, daycares, and downtown ministries near rivers or low-lying areas.

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Case Study Placement 

Southeast Realities: Hurricanes, Rainbands, and Inland Flooding

Even inland churches face rising-water claims

While coastal congregations think storm surge, inland churches from Orlando to Atlanta and Charlotte see street flooding, overwhelmed drainage, and swollen creeks after tropical systems. Strong Tower Insurance reviews flood maps, recent loss patterns, roof condition, and elevation to recommend a realistic mix of building and contents limits for sanctuaries, education wings, and fellowship halls.

Houses of worship are eligible as non-residential risks. If you hold a mortgage or certain grants in Special Flood Hazard Areas, flood insurance may be required. Keep in mind: code upgrades and ordinance or law costs are handled under your property policy, not NFIP-so coordinating both policies matters, especially for older sanctuaries with historical elements.

Special Considerations for Houses of Worship

Eligibility, code upgrades, and lender requirements

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Get a Flood Quote

Don't wait 30 days-act before the next storm cycle

We'll confirm zones, building valuations, contents inventories, and deductible strategy, then present options that fit your budget. Strong Tower Insurance serves churches, nonprofits, schools, and daycares across FL, GA, AL, TN, VA, NC, and SC.