Flood Insurance

Your Homeowner's Insurance Typically Doesn't Cover Flood DamageDrawing of buildings and houses with flood waters risings.

  • Water that enters the home from street flooding, an overflow of a creek, river or stream or from a storm surge are generally covered by flood insurance - not a homeowner's or renter's policy.
  • Just one inch of water can cause up to $25,000 worth of damages.
  • FEMA grants will only cover a small portion of flood associated costs.
  • Flood insurance gives you peace of mind and helps return you to your previous way of life faster than if you didn't have the coverage.
  • Regardless of whether your property is considered to be in a flood zone or not, it is a very good idea to consider purchasing a flood insurance policy. The 1000 year flood event of 2015 is testament to the fact that floods can occur at any time, not only associated with hurricanes and wind events. As we witnessed from this event, many areas that have never flooded did during that event.

Coverage is available for homeowners and renters.

Flood insurance is available through the National Flood Insurance Program (NFIP). To learn more about flood insurance, ask you agent and visit Floodsmart.gov.

Test Your Flood Knowledge

Test your flood-related insurance knowledge by taking the NAIC's interactive What the Flood? quiz and learn more by visiting their Flood Insurance page.

Flood Insurance Claims

Report a flood insurance claim by contacting your agent or insurance company.  Find their toll-free number here.

For additional help, contact the National Flood Insurance Program (NFIP) by calling 1-800-621-FEMA (3362) or view their website.