Flooding is the biggest threat to American homes—more than any other disaster—and it can happen anywhere, not just near water. Nearly one third of all flood claims come from unexpected places outside high-risk flood areas. Flooding can result from sudden storms, flash floods, broken pipes, and rapid snowmelt. Most standard homeowner policies don’t cover flooding, leaving many families exposed—and for successful families, that coverage gap is even wider. Don’t get caught in the tide; secure the right flood coverage today!
Flooding impacts every state, but only 4% of homeowners have flood insurance.
Source: FEMA
Flood coverage raises a lot of questions, especially for homeowners who've never had it before. Here are some answers to common questions we get asked.
No. Standard homeowner policies specifically exclude flooding. This includes water that enters your home from ground level—whether from a river overflowing, heavy rain runoff, or storm surge. To be protected from flooding, you need a separate flood policy.
FEMA estimates that over 30% of flood claims come from properties outside designated flood zones. Thankfully, flood coverage in lower-risk areas is often more affordable.
Federal NFIP flood policies typically have a 30-day waiting period. Private market policies may have shorter waiting periods. This is why it's important to consider flood coverage before severe weather season—not during or after.
