Flood Insurance

Flooding can happen anywhere at any time - even outside high-risk areas. Most homeowners policies don't cover flood damage, leaving your home and belongings at risk.

Flood Insurance

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Why Flood Insurance?

A homeowner or renter insurance policy does not cover flood damage.
You don’t have to live near a body of water to get flooded—heavy rains are often the cause of flooding.
Floods and flash floods happen in all 50 states.
Flood insurance costs less than you think.
Just an inch of water can cause more than $25,000 of damage to your property.
If you don’t live in a designated flood zone, your rates will be lower.

What's Included in flood insurance?

A dwelling and personal property flood policy offers protection for damage or losses up to the limits spelled out in your personal flood policy. Coverage includes:

Home coverage

Your home and its foundation
Electrical and plumbing systems
Air conditioning, furnaces and water heaters
Kitchen appliances
Flooring
Bookcases and cabinets
Window blinds
Debris removal

Personal property

Clothing, furniture and electronic equipment
Window coverings
Window AC units
Portable microwaves and dishwashers
Carpets not covered by your building policy
Dishwasher, washer, dryer and microwave ovens
Freezer and food spoilage
Up to $2,500 in art, jewelry and furs

The National Flood Insurance Program and FEMA

The definition of a flood per the National Flood Insurance Program and FEMA is:

A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least one of which is the policyholder’s property) from:

Overflow of inland or tidal waters
Unusual and rapid accumulation or runoff of surface waters from any source
Mudflow

Source: floodsmart.gov

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