Flood Insurance Stay afloat and make sure you have flood insurance with TROXELL. Floods happen every day. Floods are the most common and most expensive natural hazard. Most people don’t realize that flood insurance is not available on standard home and commercial insurance policies. In addition, typically there is a 30-day waiting period before your flood coverage is in effect. Because of regulations, conditions, and qualifications dictated by the National Flood Insurance Program, your best resource is to call a insurance expert at TROXELL to discuss purchasing a Flood Insurance Policy to protect you in the future.