![Inland Flood Endorsement Inland Flood Endorsement](/content/dam/munichre/global/images/royalty-free/GettyImages-1497485073.jpg/_jcr_content/renditions/original.image_file.4080.1360.0,856,4080,2216.file/GettyImages-1497485073.jpg)
Inland Flood Coverage Endorsement
Flooding is on the rise. Protect your homeowners from flood risk.
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Homeowners in the US are at greater risk of flooding than ever before. As our climate continues to change, more frequent and heavy rainfall is causing flooding in areas that did not previously flood.
Homeowners who live outside of high-risk flood areas need flood solutions that fit their needs. While flood has historically been a difficult peril to underwrite, advances in flood modeling now allow us to better predict and price flood risk.
By partnering with Munich Re US, you can offer the Inland Flood Coverage Endorsement, a customized flood solution, to your homeowners living outside of the special flood hazard area (SFHA).
Flood facts
Product details
- Designed for homeowners in low- to moderate-risk areas
- Offered as a white-label endorsement to homeowners, farmowners, or dwelling fire policies
- Single limit coverage from $5,000 to $50,000
- Covers dwelling, other structures, contents, property removed to safety, and debris removal
- Sub-limited coverage for basement personal property and loss of use
- Up to 100% quota share, backed by the long-term financial stability of Munich Re US
Benefits to insurers
![flood modelling flood modelling](/content/dam/munichre/global/images/royalty-free-mediaportal/Fotolia_83752777_XL.jpg/_jcr_content/renditions/cropped.square.jpg./cropped.square.jpg)
What Munich Re US brought to us was an affordable endorsement backed by a really strong flood model to evaluate the risk, and the API to connect our system has made rating seamless.
InDepth – flood digital platform
InDepth, our digital platform, delivers fast and seamless eligibility and pricing to support our white-label solutions:
- Locations rated on individual property’s unique risk score
- Advanced flood modeling science with 10-meter grid resolution
- Custom application programming interface (API) developed for agents
- Flood hazard calculations include riverine and surface water flooding
Why Munich Re US?
![Serene Garrahan Serena Garrahan](/content/dam/munichre/contentlounge/website-pieces/experts/Garrahan.jpg/_jcr_content/renditions/original.image_file.120.120.file/Garrahan.jpg)
![Shubhank Sharma Shubhank Sharma](/content/dam/munichre/contentlounge/website-pieces/experts/Sharma.jpg/_jcr_content/renditions/original.image_file.120.120.file/Sharma.jpg)
![Christine Barbiere Christine Barbiere](/content/dam/munichre/contentlounge/website-pieces/experts/Barbiere.jpg/_jcr_content/renditions/original.image_file.120.120.file/Barbiere.jpg)
Further information
https://www.pewtrusts.org/en/research-and-analysis/articles/2022/12/15/flooding-is-nearly-a-daily-occurrence-throughout-the-us
2 FEMA. 2024. Historical flood risk and costs. March 21.
https://www.fema.gov/data-visualization/historical-flood-risk-and-costs
3 First Street. 2020. The first national flood risk assessment. June 28.
https://firststreet.org/research-library/the-first-national-flood-risk-assessment