Flood Insurance

Flood Insurance

Flood Insurance Coverage

Flooding is one of the most common—and costly—natural disasters, yet it's not covered by standard homeowners or business insurance. At John H. Connors Insurance, we offer stand-alone and supplemental Flood Insurance policies that protect your property, belongings, and financial future from rising water and storm surge. Whether you live near the coast or in an unexpected flood zone, we help ensure you’re prepared for the unpredictable.

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Property & Structural Protection

Flood Insurance covers physical damage to your home or business caused by rising water, including foundation, walls, flooring, and essential systems like electrical and plumbing.

Contents Coverage

Optional contents coverage reimburses you for the loss of personal belongings and furnishings damaged by floodwaters—such as furniture, electronics, appliances, and clothing.

Business Flood Solutions

For commercial property owners, our Flood Insurance protects both your structure and inventory, helping you recover quickly and minimize downtime after a flood-related event.

Answers to Your Flood Insurance Questions

  • Is flood insurance required?

    If you have a federally backed mortgage and live in a high-risk flood zone, yes. Even in low- or moderate-risk areas, it’s strongly recommended.

  • How do I know if I'm in a flood zone?

    Flood damage is not covered under a standard homeowners insurance policy and requires a separate flood insurance policy.


    Hurricane coverage in Hawaii may be included in a homeowners policy or may be excluded and offered through a separate hurricane policy—this depends on your insurer and the terms of your policy. It's important to carefully review your coverage or speak with your insurance provider to confirm how hurricane risks are handled in your specific case.

  • When does coverage begin?

    There is typically a 30-day waiting period before a new flood insurance policy takes effect, so don’t wait for the next storm to prepare.

Protect Your Home Before the Next Storm

At JHC Services, we help Hawaii residents prepare for the unexpected with clear, reliable flood coverage options. Let us help you find a policy that fits your home, risk level, and budget.