---
title: Denver Flood Insurance & Policies | Bonnie Brae Insurance Agency in Denver, Colorado
description: Let Bonnie Brae Insurance Agency with your flood insurance and flood insurance policy. When it comes to floods, you can’t be too prepared. Let us help you protect your family.. Serving Denver, and all of Colorado.
---

# Flood Insurance

## from Bonnie Brae Insurance

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## Flood Insurance

Since standard [home insurance](/homeowner-insurance) doesn't cover flooding, it's important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the [NFIP](https://www.floodsmart.gov/) and how it can help you protect yourself.

### Flood Insurance Coverage

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

### Building coverage includes

- The insured building and its foundation
- The electrical and plumbing system
- Central air conditioning equipment, furnaces, and water heaters
- Refrigerators, cooking stoves, and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring

### Contents coverage includes

- Clothing, furniture, and electronic equipment
- Curtains
- Portable and window air conditioners
- Portable microwaves and dishwashers
- Carpeting that is not already included in property coverage
- Clothing washers and dryers

The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost.

All other buildings and personal property (i.e. contents) are valued at ACV, which is the RCV at the time of loss, minus physical depreciation. Personal property is always valued using ACV.

_Content provided by [FloodSmart.gov](https://www.floodsmart.gov/)_

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## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/flood-insurance/quote)

## Insurance Partners

[Liberty Mutual — American Modern — Auto Owners — Chubb — CNA Surety — Philadelphia Insurance — Progressive — The Hartford — Travelers](/insurance-companies)

## From Our Blog

[How to Prevent Common Fall Fire Hazards Around Your Home](/blog/2026/how-to-prevent-common-fall-fire-hazards-around-your-home)

[How to Protect Your Home During a Power Outage](/blog/2026/how-to-protect-your-home-during-a-power-outage)

[How Smart Home Technology Can Help Detect Problems Early](/blog/2026/how-smart-home-technology-can-help-detect-problems-early)

## Refer Someone

The best way you can show your appreciation for our services is to refer someone you know to us. If we've earned it, refer someone to Bonnie Brae Insurance today.

[Refer Us](/referral-program)

## Trusted Choice Agent

[![Trusted Choice Logo](https://webtricity-assets-1.wbtcdn.com/trusted-choice.767e42355c05df358fc101479a0c9fca2c1fbc07e3ff9a548f9e7beff785388e.svg)](/trusted-choice)

## Get Your Free Flood Insurance Insurance Quote

[Start Here](/flood-insurance/quote)

## From Our Blog

[**How to Prevent Common Fall Fire Hazards Around Your Home** — Cooler temperatures, shorter days, and changing leaves are all signs that fall has arrived. They also bring seasonal activities that can increase the risk of fires around the home. Fireplaces come back into use, space heaters get pulled out of storage, candles are lit more often, and dry leaves…](/blog/2026/how-to-prevent-common-fall-fire-hazards-around-your-home)

[**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can…](/blog/2026/how-to-protect-your-home-during-a-power-outage)

[**How Smart Home Technology Can Help Detect Problems Early** — Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs. — From water leaks to temperature fluctuations, smart home tools can provide early…](/blog/2026/how-smart-home-technology-can-help-detect-problems-early)

[View all articles](/blog)

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