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.
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
- 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