Flood Insurance

Because standard homeowners insurance does not cover flood damage.

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Flood Damage Isn’t Covered by Homeowners Insurance

This is the most misunderstood coverage gap in insurance.

Conventional homeowners insurance does not protect your home or belongings against flood damage. Even a few inches of water can result in thousands of dollars in repairs — and without flood insurance, those costs are your responsibility.

High-Risk Flood Zones

Flood insurance is often required by lenders.

Moderate & Low-Risk Areas

Nearly 25% of flood claims come from these zones.

Homeowners & Renters

Coverage options exist for both structures and contents.

What Flood Insurance Covers

Protection for flood-related water damage from multiple sources.

Rising Water & Flooding

Damage caused by overflowing bodies of water, heavy rainfall, or surface water intrusion.

Storm & Snowmelt Damage

Coverage may apply to damage caused by storms, melting snow, or saturated ground.

Drain & Sewer Backup

Protection for damage resulting from overloaded or inadequate drainage systems.

Structural Components

Coverage often includes furnaces, water heaters, staircases, and major appliances.

Hurricane-Related Flooding

Flood damage from hurricanes is covered, even though wind damage is not.

What Flood Insurance Does Not Cover

Understanding limitations helps avoid surprises.

  • Wind or hail damage (covered under homeowners policies)
  • Finished basement walls, floors, and ceilings
  • Personal belongings stored in basements
  • Flood coverage added as a homeowners policy endorsement

Flood Insurance & the NFIP

Federally backed coverage with important rules.

Flood insurance is typically purchased through insurers participating in the National Flood Insurance Program (NFIP). Policies are available in most communities, but coverage does not begin immediately — a 30-day waiting period applies unless flood insurance is required for a new loan.

Community Participation

Coverage is available only in NFIP-participating areas.

Waiting Period

Flood insurance cannot be purchased last minute.

Loan Requirements

Mandatory in some flood zones with financed homes.

Prepare Before the Water Rises

Flood insurance must be in place before a storm is on the radar.

1

Review Your Risk

Flood zone, elevation, and location.

2

Select Coverage

Structure, contents, or both.

3

Activate Protection

Before the waiting period matters.