Flood Insurance

What Is Flood Insurance?

Flood insurance protects your property from water damage caused by flooding, including heavy rain, storm surge, overflowing rivers, and rapid snow melt. Standard homeowners and renters policies don't cover flood damage, making this specialized coverage essential for comprehensive protection.

Why You Need Flood Insurance

• Standard home policies exclude flood damage
• Required by lenders if you're in a high-risk flood zone
• Flooding can happen anywhere, not just in flood zones
• Federal disaster assistance is limited and must be repaid
• Provides peace of mind during severe weather

Common Coverages

Building coverage protects your home's structure, foundation, electrical and plumbing systems, HVAC equipment, and built-in appliances. Contents coverage protects your personal belongings including furniture, clothing, and electronics. Coverage is available through the National Flood Insurance Program or private insurers. Policies typically have a waiting period before coverage begins, so don't wait until a storm is approaching.

Do I Need Flood Insurance If I'm Not in a Flood Zone?

Yes, flooding can occur anywhere. Properties outside high-risk flood zones file over twenty percent of flood claims. Rates are typically more affordable outside designated flood zones. Consider your property's elevation, proximity to water, and local drainage when deciding on coverage.