Flood insurance is one of the most misunderstood coverages. Here are answers to some of the questions property owners ask most often.
Isn’t Flood Covered by My Regular Policy?
Generally, no. Most standard homeowners and commercial property policies exclude flood damage. Flood coverage is typically purchased through a separate policy.
I’m Not in a High-Risk Zone — Do I Still Need It?
Flooding can occur outside of designated high-risk flood zones. A meaningful share of flood claims come from areas considered lower or moderate risk. Even if flood insurance is not required for your property, it may still be worth considering.
How Do I Know What’s Right for Me?
The best approach is to understand your property’s specific flood risk and review the coverage options available. An independent agent can help you weigh NFIP and private flood options and explain how each works.
Key Takeaways
- Flood damage is generally not covered by standard policies.
- Flooding can and does happen outside high-risk zones.
- Coverage is available through NFIP and private options.
- Reviewing your specific risk helps you make an informed decision.
This article is provided for general educational purposes only and does not constitute insurance advice or a recommendation. Coverage is subject to the terms, conditions, exclusions, underwriting requirements, carrier eligibility and state availability of each policy. Please talk with us about your specific situation.
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