Flood Insurance, explained.
Flood is excluded from homeowners — this is the policy that responds.
Flood Insurance
Flood insurance pays for damage caused by water that enters the home from outside — rising rivers, storm surge, heavy rainfall overwhelming drainage, and tidal events. It is a separate policy because homeowners excludes flood.
Flood is the most common natural disaster, and roughly a quarter of flood claims occur outside designated high-risk zones. Just a few inches of water can cause tens of thousands in damage.
Is this for you?
Inside a Flood policy.
When this coverage pays off.
Storm surge enters first floor
A coastal storm sends water through ground-floor rooms. Flood coverage pays for repairs and contents.
Heavy rain overwhelms drainage
A 100-year rainfall floods the home from outside. Flood — not homeowners — responds.
River overflow
Rising river water enters the basement and ground floor. Building and contents coverage handle the loss.
Plain-language answers.
NFIP is the federal program; private flood often has broader coverage, higher limits, and a shorter waiting period.
NFIP typically has a 30-day waiting period. Private flood often has no wait or a shorter one — important when a storm is forecast.
Most policies distinguish flooding from outside vs. inside-the-home water issues — we walk you through what each form covers.
Ready for a Flood quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.