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Flood Insurance

What is Flood Insurance?

Flood insurance is a government program, The National Flood Insurance Program (NFIP), managed by FEMA. The program offers flood insurance to homeowners in communities that participate in the program. The program requires participating communities to "adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding." Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property's locations and flood risk. Typically, there's a 30-day waiting period from date of purchase before a flood policy goes into effect.


Does my home owner policy cover for flood?

Standard homeowners insurance doesn’t cover flood damage at all. It’ll cover some damage from rain, but if your home is filled with water as a result of rising bodies of lakes, creeks, rivers, streams, and oceans, it won’t cover you.


What does Flood Insurance cover?

The NFIP Program has two policies:

  • One that covers your actual home (building property) up to $250,000.

  • One that covers your personal property up to $100,000.

You can buy one or both policies. If you need more than $250,000 worth of coverage, excess flood insurance is available from private insurance companies. 

Do I need flood insurance?

If your mortgage company requires it, you are probably in a high-risk zone. If you just want to buy a flood policy, you have to make sure your community participates in the national flood program. Flooding affects every state, so there is a good chance you are eligible. The NFIP uses topographical maps to identify historic areas of lowlands, floodplains and floodways that flood.


Flood insurance is the best way to protect yourself from devastating financial loss.

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