Flood insurance

What does Flood Insurance Cover?

Flood insurance covers direct physical losses from floods and losses resulting from flood-related erosion caused by waves or currents of water exceeding anticipated cyclical levels and accompanied by a severe storm, flash flood, abnormal tide surge or a similar situation that results in flooding.

Flood insurance coverage for the structure and contents of the home are sold separately. Buildings are covered for replacement cost, but coverage for personal property is available on an actual cash value basis only.

How much coverage can be purchased?

The maximum flood insurance coverage amount is $250,000 for the structure of the home and $100,000 for the contents of the home. Coverage amounts exceeding $250,000 can be purchased through additional policies.

What about damage to vehicles during a flood?

Flood losses for cars are covered under the optional, comprehensive coverage for auto insurance. 

Flooding can be a devastating and emotionally difficult event. More than 20 percent of flood claims come from properties not in a “flood zone.” Flood insurance can pay regardless if National or Presidential support is declared.