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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.
- A homeowners insurance policy or renters 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
- Debris removal
Personal property
- Clothing, furniture and electronic equipment
- Window coverings and 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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