Flood Insurance

Standard homeowners insurance doesn't cover flood damage. Learn how flood insurance can protect your home.

What Does Flood Insurance Cover?

Flood insurance covers damage to your home and belongings caused by flooding. This includes:

Building Coverage

• Foundation and walls
• Electrical and plumbing systems
• HVAC equipment
• Built-in appliances
• Permanently installed carpeting

Contents Coverage

• Furniture and electronics
• Clothing and valuables
• Portable appliances
• Curtains and rugs
• Washers and dryers

Do You Need Flood Insurance?

You may need flood insurance if:

✓You live in a high-risk flood zone (your lender may require it)
✓Your area has experienced flooding in the past
✓You live near water, even if not in a designated flood zone
✓Climate change is increasing flood risk in your region

💡 Important

Flood insurance policies typically have a 30-day waiting period before coverage begins. Don't wait until a storm is approaching to buy coverage.

Average Cost of Flood Insurance

The average flood insurance policy costs about $700-$1,000 per year through the National Flood Insurance Program (NFIP). Private flood insurance may offer different rates and coverage options.

Get Flood Insurance Quotes

Protect your home from flood damage.

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