• Behavioral Issues
• Child Care
• Cleaning Up After a Storm
• Communication
• Deciding To Stay Or Go
• Evacuation Shelters
• First Aid & Medical
• Flood Center
• Food and Water
• Help the Relief Effort
• Insurance Center
• Lighting & Power
• Pet Care
• Preparing Your Home
• Special Needs
• Storms Explained

What is Flood Insurance?

Unlike a standard homeowners policy, flood insurance covers losses to your property caused by flooding.

Some of the things a standard flood policy will cover include:

• structural damage
• furnace, water heater and air conditioner
• flood debris clean up
• floor surfaces such as carpeting and tile

You can also buy a flood insurance policy to cover the contents of your home, such as furniture, collectibles, clothing, jewelry and artwork.

Policies are available in three forms: Dwelling (most homes), General Property (apartments and businesses), and Residential Condominium Building Association (condominiums).

It's important to know that if you have a federally backed mortgage on a home located in a high-risk area, federal law requires you to purchase flood insurance. Also, if you've received a federal grant for previous flood losses, you must have a flood policy to qualify for future aid.


Be FloodSmart! Get covered today.

Contact your insurance agent or company, or find an agent serving your area.