Protect Your Savannah
Home From Flood Damage
Quick, comprehensive and personalized coverage to protect you from unexpected flood damage
Flooding in Savannah: WHAT YOU NEED TO KNOW
Savannah, Georgia, is a historic coastal city known for its charming architecture and scenic waterways. However, its low elevation, proximity to the Atlantic Ocean, and extensive network of rivers and marshlands make it particularly susceptible to flooding. The city's flat terrain and aging drainage infrastructure can exacerbate flooding during heavy rain events. Notably, Savannah has experienced significant flooding from hurricanes and tropical storms, including Hurricane Matthew in 2016 and Hurricane Irma in 2017. Studies show that over 14,000 properties in Savannah are at risk of flooding as of today, which is why understanding when, where, and why floods happen in Savannah can help you make informed decisions about protecting your property with private flood insurance in Savannah, GA.
Flood Zones in Savannah
Savannah encompasses various FEMA-designated flood zones, including high-risk areas like Zones AE and VE. Properties in these zones are more susceptible to flooding and may be required to carry flood insurance, especially if financed through federally backed mortgages. Even areas classified as Zone X, considered moderate-to-low risk, have reported flood incidents. In fact, FEMA data indicates that approximately 40% of flood insurance claims come from properties outside high-risk zones.
- Downtown Savannah (ZIP code: 31401) – vulnerable due to its proximity to the Savannah River and historical flooding events.
- Thunderbolt (ZIP code: 31404) – prone to flooding from heavy rainfall and tidal surges.
- Isle of Hope (ZIP code: 31406) – experienced significant flooding during recent storms.
- Southside Savannah (ZIP code: 31419) – susceptible to flooding from overflowing creeks and urban runoff.
- Wilmington Island (ZIP code: 31410) – faces flooding risks from both coastal storms and heavy rainfall.
Want to purchase private flood insurance in Savannah, GA, but not sure what flood zone you're in? Our team of expert advisors at Advantage Flood can help you look it up and assess your risk—for free.
Seamless Switching
Already Insured? you can still SWITCH!
Our flood insurance experts make switching simple—seamless transitions, stress-free coverage, and the confidence of knowing you're protected.
+150 years
Insurance Experience in the Agency
33 years
In Business
All 50 States
Nationwide coverage
97%
Customer Satisfaction
21 year
Average Customer Loyalty
Floods Happen. Be Prepared Before They Do.
Answer a few simple questions to get your flood insurance quote today.
When is flood season in Savannah ?
Common causes of flooding in Savannah
Flooding here isn’t just about coastal storm surge. In fact, some of the most damaging floods happen inland and are caused by:
Heavy rainfall – intense storms can overwhelm stormwater systems.
Urban runoff – impervious surfaces in developed areas lead to quick accumulation of surface water.
Overflowing rivers and creeks – prolonged rain can cause water bodies to exceed their banks.
Blocked drainage systems – debris can obstruct water flow, causing localized flooding.
Storm surges – coastal storms can push seawater into low-lying areas, leading to significant flooding.
Even if you’ve never experienced a flood, these events can happen without warning, making getting flood insurance in Savannah a smart and proactive move.
Top-Rated Flood Insurance
Expert Guidance & Unmatched Customer Support
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
FAQ: Your Questions, Answered
Find quick and reliable answers about flood insurance.
- 01
Why is flood insurance necessary in a city like Savannah?
Everybody has some level of risk from flooding and should consider a certain level of coverage. Everyone lives in a flood zone and may be vulnerable to excess rainwater, storms, river levels and other factors
- 02
Which areas of Savannah are most likely to flood?
When you work with the Advantage Agency, you are working with Insurance Experts. Our experienced staff will assist you in understanding the replacement cost of your home and the coverages you need to protect your assets so you can make an informed decision. Our goal is to make sure you are covered!
- 03
Does flood insurance cover hurricane and tropical storm damage?
Yes—but only in case of outside flooding within the house (such as storm surge or rising water). Wind-related hurricane damage is under your homeowner's insurance, whereas rising water is under your flood insurance policy. Both might be necessary during Savannah's storm season.
- 04
Do I have flood insurance if I reside in a historic district or older residence?
Flood insurance premiums are calculated based on various factors including the property's location, flood risk, the structure's age and design, and the chosen coverage amount and deductible
