Flood
Flood Insurance
Insurance for
for Homeowners
Homeowners
What’s Covered?
What’s Covered?
Floods are the nation’s most common and costly natural disaster, with 98% of
counties in the
Floods are theUnited States
nation’s mosthaving
commonexperienced
and costlya flood.
naturalDiddisaster,
you knowwith
that98%
most
of counties in
the United States
homeowners having
policies experienced
do not a flood.
include all forms ofDid youdamage?
water know that most homeowners policies
do not include coverage for all forms of water damage, in fact most do not cover flooding?
Flood insurance can fill those gaps. Damage sustained during flooding that covers
Flood insurance can fill those gaps. A National Flood Insurance Program (NFIP) flood
two or more properties or two or more acres of land is covered under a National
insurance policy insures against damage sustained during flooding that covers two or
Flood
moreInsurance
propertiesProgram (NFIP)
or two or more flood insurance
acres policy.
of normally dryThe NFIPThe
land. encourages
NFIP encourages people
to purchase
people both building
to purchase and contents
both building coverage
and contents for the
coverage for broadest protection.
the broadest
EXTERIOR BUILDING INTERIOR BUILDING
COVERAGE COVERAGE
Drywall Furnaces
Framing Cabinets
Walls Water heaters
Floors Window blinds
Electrical systems Debris removal
Insured building/foundation Some appliances
Central A/C equipment Permanently installed carpeting
Window frames and panes Permanently installed bookcases
CONTENTS COVERAGE
if purchased separately
Dresser Mattress and frame
Clothing Artwork (up to $2,500)
Couches Kitchen table and chairs
Food freezers Clothes washers and dryers
TV/electronics
The National Flood Insurance Program, managed by the Federal Emergency Management
The NFIP, managed by the Federal Emergency Management Agency (FEMA), aims to reduce the cost of
Agency (FEMA), aims to reduce future flood damage by providing people with flood insurance
future flood damage by providing people with flood insurance through NFIP Direct and private insurance
through the government-funded program and private insurance companies. Contact an agent t
companies. Contact an agent to understand the coverages outlined in your homeowners insurance
o understand the coverages outlined in your homeowners insurance policy and identify where
policy and identify where flood insurance can help. To find a flood insurance provider, use our online
flood insurance can help. To find a flood
tool at FloodSmart.gov/flood-insurance/providers insurance
or call provider, u
(800) 621-3362.
November 2021 This document is not intended to provide legal advice or guidance.
October 2021
