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Flood Insurance
An essential layer of protection for many homeowners
This flood rate and coverage are provided and serviced by a third-party insurer.. Read more
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For many homeowners, flood insurance is an essential extra layer of protection.
What flood insurance covers
A flood insurance policy typically covers you if groundwater rises and floods your home—a situation that isn't usually covered by homeowners insurance policies. Generally, most of your house is covered by flood insurance.
Specifically, the core parts of your home—like the home foundation and the systems that keep it running—are typically covered. Built-in home appliances, like refrigerators, dishwashers, and stoves, are typically covered as well.
The NFIP offers $250,000 in coverage for your home's structure. Carpeting and personal property are generally covered, too, unless they're in the basement.
Learn more about how flood insurance works and what flood insurance covers.
Why flood insurance might be a must-have
The National Flood Insurance Program advises homeowners to buy flood insurance coverage, especially if you're in an area that has a high flood risk. You might even be required to have it if you live near a river or body of water.
Here's why the National Flood Insurance Program (NFIP) recommends flood insurance to everyone:
The situations that cause flooding—heavy rain, melting snow, severe coastal weather—can happen anywhere. In fact, one in five flood insurance claims comes from someone in a low - or medium-risk area.
