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Floods cause more property damage in the United States than any other type of natural disaster.

Homeowners insurance does not cover flood damage, but floods cause more property damage in the United States than any other natural disaster.


To receive coverage, your single-family home must be insured up to at least 80% of the replacement value. All other buildings and all contents are insured on a cash value basis, with standard deductible amounts applying separately. Flood insurance policies exclude many of the same things excluded in homeowners policies including lawns, motor vehicles, fences, and more.


Any properties that are particularly prone to flood damage are excluded including underground structures and equipment, buildings constructed in, on, or over water, and structures that are considered containers


Coverage begins after a 30-day waiting period after the application has been accepted except in the following conditions:

  • During the first 30 days after a community enters the emergency or normal programs, then coverage begins at 12:01 a.m. the day after application and premium payment have been mailed;
  • When an existing policy is assigned to a property purchaser; and
  • At 12:01 a.m. on the 5th day after an endorsement request and premium has been mailed for an existing policy.
  • No binders are issued during the waiting period.


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