Protection from rising waters
Floods happen. Be prepared.
Standard home insurance doesn't cover flood damage. Protect your property with dedicated flood coverage.
Even if you're not in a high-risk zone, flooding can still happen.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Flood Insurance 101
Do I need flood insurance?
Flood insurance covers damage to your home and belongings from flooding, including overflow from rivers, heavy rain, storm surge, and other water-related events. It's separate from homeowners insurance.
If you have a federally-backed mortgage in a high-risk flood zone, you're required to have flood insurance. But floods can happen anywhere - about 25% of flood claims come from low-to-moderate risk areas.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Check your flood zone
We help you understand your property's flood risk and insurance requirements.
Free flood zone lookup
Step 2
Compare options
See quotes from NFIP and private insurers to find the best coverage and rate.
Multiple carriers compared
Step 3
Get protected
Choose your policy—remember, there may be a waiting period before coverage begins.
Plan ahead for protection
Key decisions
Everything you need to make the right choice
Learn how flood insurance works, discover ways to save, and get the protection you need—all without the headache.
Beyond high-risk zones
25% of flood claims come from moderate-to-low risk areas. Don't assume you're safe.
Building & contents
Protect your home's structure and everything inside from rising water damage.
Private options available
We compare NFIP and private flood insurance to find you the best coverage and price.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Understanding your flood zone and actual risk level
- Comparing NFIP vs. private flood insurance options
- Finding the right coverage limits for your property
- Help navigating flood claims if disaster strikes
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about flood insurance
Why do I need flood insurance if I have homeowners insurance?
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Standard homeowners insurance doesn't cover flood damage—period. Even one inch of water can cause $25,000 in damage. If you have a mortgage in a high-risk flood zone, flood insurance is required. Even in moderate-to-low risk areas, it's smart protection.
What's the difference between NFIP and private flood insurance?
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The National Flood Insurance Program (NFIP) is government-backed with standardized coverage up to $250,000 for buildings and $100,000 for contents. Private flood insurance often offers higher limits, additional coverages, and sometimes lower rates, but availability varies by location.
Is there a waiting period for flood insurance?
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Yes, NFIP policies have a 30-day waiting period before coverage begins (with some exceptions for new home purchases). Private flood insurance waiting periods vary by carrier—some offer coverage in as little as 10-14 days.
Ready to see how much you can save on flood insurance?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.
Flood Insurance guides and resources
Dive deeper into flood insurance topics with our in-depth guides and comparisons.
Flood Insurance in 2026
NFIP is $22B in debt with uncertain future. Private flood insurance growing 20% annually. Learn why 60% of homeowners could save by switching coverage.
Read moreFlood Zone Insurance Requirements
Learn when flood insurance is required for your mortgage, what coverage amounts lenders mandate, and how SFHA zones trigger mandatory purchase rules.
Read moreHow Much Does Flood Insurance Cost?
Flood insurance costs $899-$1,064/year on average through NFIP. Learn how Risk Rating 2.0 affects your premium and how private insurance can save you 20-50%.
Read moreWhat Does Flood Insurance Cover?
Learn exactly what flood insurance covers for your home's structure and belongings, including critical basement limitations and coverage gaps you need to know.
Read moreNFIP vs Private Flood Insurance
Compare NFIP and private flood insurance on coverage limits, pricing, and claims. Private policies often cost less and cover more than federal programs.
Read moreReferenceInsurance Glossary
Learn common insurance terms and definitions to better understand your coverage options.
Read moreExplore other insurance coverage
Many customers who bundle coverage find they save money. Compare quotes to see what works best for you.