Flooding is the most common natural disaster in the United States and standard homeowner’s insurance policies do not cover floods. Flood insurance allows homeowners to recover faster and more fully.
Why buy flood insurance? Structural flooding can be caused by storms, dams or levees failing, new development changing how water flows above and below ground, snowmelt, ice jams, and much more. Standard homeowner’s insurance policies do not cover floods. Learn More Types of coverage Flood insurance is available for any building located in a community that participates in the National Flood Insurance Program (NFIP). There are three types of coverage that can be purchased: Structural coverage, Contents coverage, and Sump pump failure or sewer backup coverage. Learn More Lower the Cost of Flood Insurance Just because your home or building is in the floodplain does not mean that you can’t reduce your flood insurance premiums. In fact, your building may have been built in a way that increases the cost of your annual premiums. Learn More