Excess Flood Insurance

Ideal Accounts and Appetite

This program is ideal for agents representing clients who own high-value properties in flood-prone areas where NFIP coverage is insufficient. Accepted property types include:

• Commercial buildings
• Residential dwellings
• Mixed-use properties
• Tenant-occupied buildings (for contents and loss of income)

You might have a client who recently purchased a commercial property in a coastal zone with a replacement cost exceeding NFIP limits. This program helps you secure the additional coverage needed to fully protect their asset portfolio.

Coverage Highlights and Advantages

Coverage is provided for flood perils as defined by the NFIP, with the following maximum limits:

• $16,000,000 aggregate over all interests
• $30,000,000 aggregate for Scheduled policies with Full Value coverage (no single building over $10,000,000)

Available coverages include:

• Building (structure permanently fixed to a foundation)
• Contents (household or business)
• Loss of Income (net business income and rental values, paid monthly)

Minimum excess points include the maximum NFIP limits for buildings and contents. For Loss of Income, a 30-day waiting period applies with a $25,000 annual minimum, regardless of flood zone.

Underwriting Notes and Restrictions

This program is subject to specific exclusions and underwriting criteria. Ineligible risks include:

• Basement contents
• Buildings on stilts over water
• Construction risks involving soft costs
• Medical equipment, perishables, or food stock
• Loss of income or contents only unless the insured is a tenant
• Properties with negative elevation

Certain geographic areas are not eligible, including specific counties in Louisiana, New York, Missouri, Florida, Texas, Rhode Island, California, North Carolina, and Washington state.

Optional Earthquake Coverage

Earthquake coverage can be added to the Excess Flood policy where eligible. Limits up to $15,000,000 aggregate are available, with a minimum deductible of $25,000 per occurrence. Note that EQ coverage is not offered in CA, WA, OR, AK, HI, certain New Madrid zones, and U.S. territories. It must be written in conjunction with flood coverage.

Territories and Availability

The Excess Flood Program is available in most states, including but not limited to FL, TX, NY, NC, SC, GA, NJ, and LA. Coverage is written on a non-admitted basis in most jurisdictions. Quotations are typically returned within 24 hours upon receipt of a simple application.

Why Work With Blue River Underwriters?

Blue River Underwriters brings deep expertise in catastrophe risk underwriting, with access to top-tier markets like Lloyd’s of London. Their Excess Flood solution is backed by responsive service, underwriting flexibility, and quick turnaround times—ideal for agents and brokers managing complex property risks. Whether your client owns a coastal hotel or a warehouse facing seasonal flood exposure, Blue River is a strong partner for specialized flood placements.

Frequently Asked Questions

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