Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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Flood Insurance


Are you sure there are no flood risks where you are? Many people don’t consider flood insurance until it is too late. New homeowners in an unfamiliar area may be unaware of their genuine flood risk. That is why you should talk to us at Knippenberg Insurance Inc. concerning flood insurance if you live in the United States.

Did you know that even if an area is considered a low-risk flood area, where flooding may happen only once every 100 years, during a 30-year mortgage, you still have a 1 in 4 chance of a flood? In fact, you are 27 times more likely to experience a flood than a fire. It does not take much water to create a lot of damage. A single inch of water could cause over $20,000 to a home’s property. That doesn’t count potential damage to goods inside and outside the buildings. What is even more awkward is that over 25% of all flood losses happen to homes outside of high-risk flood areas.

A lot of factors are used to determine flood insurance rates. What is the building or facility used for? How old are the facilities? Where are they on the FIRMs? What level of insurance was purchased? What is its deductible? What is the lowest elevation of the property?

Please note: There are two types of flood insurance. One covers the building and built-in fixtures. The other covers contents. There are also limitations on the National Flood Insurance Program (NFIP). Supplemental insurance is needed to go beyond these limitations. We can get both for you.

To get the best insurance for you, contact Knippenberg Insurance Inc. to discuss your insurance needs.

Partner Carriers


  • Allstate
  • Amwins
  • Chesapeake
  • Foremost
  • Guard
  • Hagerty
  • K&K
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Zurich