Flood is excluded from every standard homeowners policy in America. One storm, one burst water main, one freak rain — and you're paying out of pocket. Get a real quote in 60 seconds.
What's covered
Federal program. Up to $250K building / $100K contents. Available everywhere.
Higher limits, faster claims, often cheaper than NFIP. Up to $4M building / $500K contents.
Stacks on top of an NFIP policy for high-value homes.
Coverage for rental properties, storefronts, and office buildings.
NFIP policies carry a 30-day waiting period. The cheapest time to buy flood insurance is before you need it.
Start my quoteFlood insurance FAQ
No — flood is excluded from every standard homeowners policy in the United States. You need a separate flood policy (NFIP or private market) to be covered for rising water.
In low-risk zones (X, B, C) policies often run $400–$700/year. High-risk Special Flood Hazard Areas (A, AE, V) typically range $1,200–$3,000/year depending on elevation, building, and contents coverage.
NFIP is the federal program — capped at $250K building / $100K contents with a 30-day waiting period. Private flood often costs less, covers more (up to $4M building / $500K contents), and can bind in as little as 24 hours.
NFIP policies have a 30-day waiting period from purchase to coverage. Most private-market policies bind in 1–14 days. If a storm is coming, the cheapest day to buy was yesterday — call now.
Over 25% of NFIP claims come from low- and moderate-risk zones. One inch of water causes ~$25K of damage on average. If you have a mortgage and a basement, slab on grade in a heavy-rain region, or live near any creek/storm drain — yes, you want it.
Often yes — sometimes by 30–50% in high-risk zones. Anthony helps coordinate the survey and submits it to the carrier so you get the cheapest tier you qualify for.