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Residential Flood Insurance

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AZ: 16574375 | CO: 598458 | DE: 3002120691 | FL: W519333 | GA: 3502197 | MI: 1020455 | NC: 16574375 | NM: 16574375 | SC: 16574375 | TX: 1971615

Our Markets

Aon Edge Private Flood
The Hartford
National Flood Insurance
Neptune Flood
Wright Flood Insurance

What Does Flood Insurance Cover?

In the United States, floods are one of the most common and destructive natural disasters, causing significant damage to homes and properties each year. While homeowners insurance covers a variety of risks, it's important to recognize that flood damage is typically excluded from standard policies. This is where flood insurance steps in to provide crucial protection.

Why Do You Need Flood Insurance?

Flooding is a natural disaster that can occur anywhere, regardless of your property's proximity to water bodies. It doesn't take a major river or coastal region to experience a flood. Flash floods, heavy rainstorms, or even a blocked drainage system can quickly turn your neighborhood into a waterlogged nightmare.

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Building Coverage

Contents Coverage

What is Covered

  • The insured building and its foundation
  • The electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over an unfinished floor
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Debris removal

Areas Below Lowest Elevated Floor

  • Foundation walls, anchorage systems, and staircases attached to the building
  • Central air conditioner
  • Cisterns and the water in them
  • Electrical outlets, switches, and circuit breaker boxes
  • Fuel tanks and the fuel in them, solar energy equipment, and well water tanks and pumps
  • Furnaces, water heaters, heat pumps, and sump pumps The following items are covered in basements only:
  • Drywall for walls and ceilings
  • Non-flammable insulation

What is Covered

  • Personal belongings such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not included in building coverage
  • Clothes washers and dryers
  • Food freezers and the food in them
  • Certain valuable items such as original artwork and furs

Areas Below Lowest Elevated Floor

  • Washers and dryers
  • Food freezers and the food in them (but not refrigerators)
  • Portable and window air conditioners

What Isn't Covered? Examples of Uncovered or Excluded Property

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
  • Living expenses such as temporary housing.
  • Most self-propelled vehicles such as cars, including their parts.
  • Currency, precious metals, and valuable papers such as stock certificates.
  • Property and belongings outside of a building such as trees, plants, shrubs, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools.
  • Financial losses caused by business interruption or loss of use of insured property.
  • Any damage caused by seepage, or any sub-surface water flow, a condition of flow of water beneath the earth’s surface.

Facts About Flood Losses in the US:

  • Number of Homes Impacted: Each year, numerous homes across the United States are affected by floods. According to the Federal Emergency Management Agency (FEMA), approximately 25% of all flood insurance claims originate from areas considered to be at low or moderate risk for flooding. This highlights the importance of flood insurance for all homeowners, regardless of their location.
  • Cost of Flood Damage: Floods can result in substantial financial losses. Over the past decade, the average flood claim paid out by the National Flood Insurance Program (NFIP) was around $42,000. This figure varies depending on the severity of the flood and the extent of the damage, with some claims reaching hundreds of thousands of dollars or more.
  • Increasing Flood Risks: Climate change and urban development are contributing to rising flood risks in many regions. According to studies by the Union of Concerned Scientists, the number of properties at risk of chronic flooding could reach 2.4 million by 2100, resulting in immense financial burdens if homeowners are not adequately protected with flood insurance.