Flood Insurance for Homeowners

Flood insurance is not a part of any standard home insurance policy. Even if you have hurricane coverage, your insurance may not fully cover damages caused by flood surges after the storm. Shop around online for flood insurance for homeowners by comparing quotes from multiple companies to find the best rates. Start here with our free quote comparison tool below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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Flooding can occur anytime or anywhere within the United States. Just because you’re not directly next to a body of water or in a flood zone does not mean that your home is not at risk of being damaged by floods.

About 25 percent of all flood insurance claims submitted to insurance companies come from locations that are not considered to be “high risk”. Almost all homeowners insurance policies exclude flooding requiring those who want flood insurance to get additional coverage.

Since most insurers don’t provide flood insurance within a standard homeowners insurance policy, the government stepped in and created the National Flood Insurance Program (NFIP). Since 1968, this program allows homeowners in participating areas to purchase insurance protection to cover the costs incurred from a flood.

Below are some statistics regarding flooding in the US:

  • Floods are the #1 natural disaster in the U.S.
  • Flooding occurs in all 50 states
  • Flood damage is not covered by most standard homeowners insurance policies
  • As little as an inch of water can cause significant damage to your home
  • The average loss from a flood is about $48,000.
  • Flood insurance is affordable insurance

To get flood insurance coverage, use our free quote comparison tool below and shop for quotes from local companies. You can also contact your insurance broker to help you determine which policy is best for your needs.

Don’t wait until it’s too late, if you’re home is at risk of flooding, get a flood insurance policy today.

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