Where it rains, it can flood. No home is completely safe from a flood event. Unfortunately, many property owners do not find out until it’s too late that their homeowners insurance policies do not cover flooding.
Flooding happens everywhere
Homeowners insurance doesn’t cover floods
Most homeowners insurance does not cover flood damage. Only flood insurance covers the cost of rebuilding after a flood.
Why get flood insurance?
Everyone has SOME risk. Flooding can happen anywhere at any time. Poor drainage systems, summer storms, melting snow, neighborhood construction, and broken water mains can cause flooding.
29% of claims
Almost one-third of NFIP flood insurance claims come from OUTSIDE high-risk flood areas.
Faster recovery
Rebuilding after a flood can be difficult. If you have flood insurance, you don’t have to go through it alone.
It might be required
Many property owners, particularly those in high-risk flood areas, may be required to have flood insurance.
Peace of mind
No home is completely safe from potential flooding. Flooding is the most common and the most costly natural disaster. 90% of all presidentially declared U.S. natural disasters involve flooding. Flood insurance can be the difference between recovery and financial devastation.
How can I protect my home and belongings?
Flood insurance is the best way to protect your property and the life you’ve built. Most homeowners insurance policies do not cover flooding. Federal disaster assistance is not guaranteed. It’s only available with a presidential disaster declaration. Most flood events do not result in a declaration. You’ll need a flood insurance policy to cover the cost of rebuilding after a flood. The National Flood Insurance Program (NFIP) offers policies for homeowners, renters and businesses.
Types of Floods
