Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Flood Insurance for Rising Water

Separate Coverage for Flooding

Standard home policies exclude flood damage from rising waters; river overflow, rapid snowmelt, or heavy rain. Bowerman Insurance Agency places flood insurance for properties so you can plan ahead before the next spring thaw or summer storm.

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Two Paths to Protection

Most homes qualify for the National Flood Insurance Program (NFIP); some may also access private flood insurers. We'll explain limits, deductibles, and eligibility, then help you choose a route that fits your property, lender requirements, and budget.

Building and Contents; Inside Limits

Building coverage can include the foundation, electrical and plumbing systems, furnaces and water heaters, and built-ins. Contents coverage (if purchased) can include furniture, clothing, and many appliances. NFIP policies usually have a 30-day waiting period, so starting early matters.

A white house with a porch and a chimney

High-Risk Zones, and Everyone Else

Lenders require flood insurance for many properties in FEMA high-risk zones, but claims also happen in moderate and low-risk areas. If you're near rivers, creeks, or low-lying fields (or your neighborhood has drainage issues) let's review your risk and pricing.

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Answers for ND Homeowners

  • Is flood insurance mandatory?

    It's required with many mortgages in designated zones; optional elsewhere but still wise based on risk.

  • How much does it cost?

    Price varies by elevation, zone, and home details. We'll provide quotes and explain options.

  • What isn't covered?

    Groundwater seepage and sump backup are different issues-ask about endorsements on your home policy.

  • Can I buy flood insurance last minute?

    NFIP typically requires 30 days before coverage starts; private policies may vary.