Don't Wait for the Water. Get Covered Now.

No. Standard homeowner's insurance policies explicitly exclude flooding caused by external water sources — including heavy rain, river overflow, storm surge, and surface water runoff. You need a separate flood insurance policy to be covered for these events.

Yes — and many people are surprised by this. Over 20% of all flood claims come from properties outside FEMA's designated high-risk flood zones (Special Flood Hazard Areas). Flood insurance in lower-risk zones is also significantly more affordable, making it a smart investment for most homeowners.

NFIP policies have a standard 30-day waiting period before coverage begins. Some private flood policies can activate in as few as 10–14 days. This is why it's critical to get covered well in advance of storm season — you cannot buy flood insurance when a storm is already on the way.

Building coverage protects the structure of your home — the walls, floors, foundation, electrical, and plumbing systems. Contents coverage protects your personal belongings — furniture, appliances, electronics, and clothing. These are separate coverages that must each be selected. Many homeowners buy building coverage but forget contents.

NFIP policies have limited coverage for basements. Structural elements like foundation walls, electrical systems, and sump pumps may be covered, but most personal belongings stored in a basement are not. Private flood policies often offer broader basement coverage. We'll explain exactly what applies to your home.

Flood insurance costs vary based on your home's flood zone, elevation, structure type, and the coverage limits you choose. Homes in lower-risk zones can often be insured for $400–$800 per year through private carriers. High-risk zone properties may cost more. We compare NFIP and private options to find the best price for your specific situation.