Flood Insurance

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High water on Sand Creek during 2010 floodingIn the wake of Hurricane Harvey in 2017, approximately 80 percent of households impacted by the storm did not have flood insurance.

Did you know?

  • Floods are the nation’s most common and costly natural disaster, causing billions of dollars in damage each year.
  • Homeowners and renters insurance does not typically cover flood damage.
  • Floods can happen anywhere. In fact, 98 percent of counties in the United States have experienced a flood, and more than 20 percent of flood claims come from properties outside the high-risk flood zone.
  • If your property is in a low-to-moderate flood risk area, your flood insurance could be much more affordable than you might think.

Just one inch of water in an average-sized home can cost more than $25,000 in damage. You can recover faster and more fully after a disaster with flood insurance. Call your insurance agent and buy a policy today.

There’s typically a 30-day wait period between when you purchase the policy and when it becomes effective. The agent who sold you your homeowners or renters insurance should be able to sell you a flood insurance policy. If not, you can find an agent by calling the NFIP Help Center, at 1-800-427-4661.


Helpful questions to ask your insurance agent:

Ask the right questions so you can buy the flood coverage you need:

  • Does my homeowners insurance cover flood?
  • What flood zone do I live in? What is my property’s flood risk?
  • What will and won’t be covered?
  • How much coverage should I purchase for my building and for my contents?
  • When will my policy become effective?
  • Will my policy provide Replacement Cost Value or Actual Cash Value—and what’s the difference between the two?
  • Do I qualify for a Preferred Risk Policy (PRP)?
  • Does my community participate in the NFIP’s Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
  • Is flood insurance mandatory for my property? Will the lender require it?
  • Are there additional expenses or agency fees?
  • How can I pay for my policy?
  • How do I renew my policy?

Visit FloodSmart.gov to learn more about “How to Buy” and information about the following:

  • Steps you can take to reduce the cost of your flood insurance.
  • Information about coverage and deductibles.
  • Exceptions that may allow your NFIP coverage to go into effect immediately.