Flood Insurance

Protect your home and belongings from flood damage. Standard homeowners insurance does NOT cover floods.

Critical Information

Standard homeowners insurance does NOT cover flood damage. You need a separate flood insurance policy. Even if you're not in a high-risk flood zone, you may still need coverage.

What is Flood Insurance?

Flood insurance covers direct physical losses caused by flooding. Most policies are provided through the National Flood Insurance Program (NFIP), though private flood insurance is also available.

The NFIP defines a flood as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties.

What Does Flood Insurance Cover?

Building Coverage (up to $250,000)

  • • Foundation and structure
  • • Electrical and plumbing systems
  • • HVAC equipment
  • • Built-in appliances
  • • Permanently installed carpeting
  • • Detached garage (up to 10% of building coverage)

Contents Coverage (up to $100,000)

  • • Furniture and clothing
  • • Electronics and appliances
  • • Curtains and portable items
  • • Carpets not included in building
  • • Washer, dryer, freezer
  • • Personal belongings

What's NOT Covered

  • ✗ Damage to property outside the building (fences, pools, hot tubs)
  • ✗ Financial losses due to business interruption
  • ✗ Currency, precious metals, valuable papers
  • ✗ Vehicles and self-propelled vehicles
  • ✗ Basement contents (limited coverage only)
  • ✗ Additional living expenses

Who Needs Flood Insurance?

High-Risk Areas (Required)

If you're in a Special Flood Hazard Area (SFHA) with a mortgage, lenders require flood insurance.

Moderate-to-Low Risk Areas (Recommended)

Over 20% of flood claims come from moderate-to-low risk areas. Anyone can experience flooding.

Just one inch of water can cause $25,000+ in damage.

Important Details

  • 30-Day Waiting Period: Coverage typically begins 30 days after purchase (exceptions apply)
  • Separate Deductibles: Building and contents have separate deductibles ($1,000-$10,000)
  • Actual Cash Value: NFIP pays actual cash value (not replacement cost) for most items

Average Cost

Annual Premium (NFIP)

$700-2,000/year

Lower-risk areas: $400-600/year

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What coverage level do you need?

Choose the protection that matches your requirements