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Flood Insurance

Understanding flood insurance — who needs it, what it costs, and what it covers.

Coverage Overview

Flood insurance covers damage to your property and belongings caused by flooding. Standard homeowners insurance does not cover flood damage, making this a critical separate policy for many homeowners.

Average Cost

$700 - $1,500/year

Who Needs It

Homeowners in flood zones (required for federally backed mortgages), but flooding can happen anywhere. Nearly 25% of flood claims come from outside high-risk zones.

Key Exclusions

These are typically NOT covered by this type of insurance:

  • ✗Damage from moisture, mildew, or mold that could have been prevented
  • ✗Currency, precious metals, and valuable papers
  • ✗Property outside of insured building
  • ✗Living expenses during displacement

Flood Insurance by State

Explore state-specific flood insurance guides, laws, and requirements.

Washington Flood Insurance

2 guides

Flood Insurance FAQ

Is flood insurance required?
If you have a federally backed mortgage and live in a high-risk flood zone (Special Flood Hazard Area), your lender requires flood insurance. Even outside these zones, it is strongly recommended.
Does homeowners insurance cover floods?
No. Standard homeowners insurance explicitly excludes flood damage. You need a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP) or a private insurer.

Check Your Coverage

Use our Coverage Profile Builder to see if flood insurance is right for your situation.

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Coverage Classroom provides educational information only. This is not insurance advice, and we are not licensed insurance agents or brokers. Always consult with a qualified insurance professional before making coverage decisions.