Flood insurance guide: Learn what it covers and how it differs from homeowners insurance.

[{"selector":"#anim-0a3aa29f-fdb3-443d-8ee5-a0179b03cfb7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-68c0b9e9-8a55-4d16-a35e-218a86054bbc","keyframes":{"transform":["translate3d(0px, 124.37607%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Rising flood risks: Flash floods across the U.S. increase 52% due to climate change.

[{"selector":"#anim-9b565cb3-68cc-42e0-be92-9685950b43fb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0192fc59-1000-4e93-8e53-e13a0ee983a2","keyframes":{"transform":["translate3d(0px, 147.52636%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3bdcafbd-41d9-440f-9e5a-00be4389cc6f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

Public and private options: FEMA's National Flood Insurance Program (NFIP) vs. private market choices.

[{"selector":"#anim-2c09bfd9-ee06-44b8-a204-56f339b4d7da","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-161fb74f-2d12-4d7a-8127-049807d05bd2","keyframes":{"transform":["translate3d(0px, 127.11391%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b904f3c6-44d3-474b-9cde-0c7e6e641f45 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(28.90624987200394%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

Coverage details: NFIP covers building and contents, protecting appliances, personal items, and more.

[{"selector":"#anim-ee9c5833-7f3b-4632-997d-044add6c4eb6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-596c39a5-6d6b-4f4c-a284-3bf0bd6864eb","keyframes":{"transform":["translate3d(0px, 147.93652%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-704d3783-3027-4966-904a-2b174fbd79e5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-34.179687404002955%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Learn more

Exclusions: Items like cash, cars, and business losses aren't covered by flood insurance.

[{"selector":"#anim-412016eb-312e-41c1-9021-ed27ba023c31","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-129728fe-3c67-4927-985c-76471800c74a","keyframes":{"transform":["translate3d(0px, 147.52636%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46cc5810-679e-41af-befe-51014ea6c177 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

Basement coverage: NFIP protects basement items linked to power sources during floods.

[{"selector":"#anim-a0043133-c9ac-4631-918f-79e2ea349c9e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-23be16c3-3982-4cef-ba95-eb2885e086c3","keyframes":{"transform":["translate3d(0px, 127.11391%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a89317c2-c186-4205-99df-6ce5f898328a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(21.874999829338595%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

Rain damage: Rain causing flooding is covered; rain-driven water damage might not be.

[{"selector":"#anim-dd42bd8b-dd0c-4db1-8f19-fb87ff51ac83","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1630b54c-b7f6-4ee4-bdab-00f85ac3f482","keyframes":{"transform":["translate3d(0px, 127.11391%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0acc3784-95ec-4220-ad0f-72cc5701a4ba [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-28.90624987200394%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Learn more

Storm surge: NFIP policies include damage from storm surges during hurricanes.

[{"selector":"#anim-40305ae9-e342-4ffa-8aa2-26cf50756ab6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2eee073f-3a57-4d91-838d-b16c5741f24a","keyframes":{"transform":["translate3d(0px, 147.52636%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2b3917f5-32ee-4ada-959c-4ed8faeabd45 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

Burst pipes: Homeowners insurance usually covers burst pipes; NFIP may cover plumbing systems.

[{"selector":"#anim-d00fe75d-7a9d-44d7-94ff-35fc4a4905d6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-600f6df2-a3ee-4ad5-b5bc-706b80aa0c68","keyframes":{"transform":["translate3d(0px, 143.35603%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-375a8d26-6ae3-44e6-bb3f-66c74a4f8310 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

Deciding on coverage: Flood insurance isn't mandatory but may be required for properties in flood zones.

[{"selector":"#anim-380460c8-3a84-48c2-b5ee-b0a62240fb71","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-96f42f23-5577-4d73-913f-edb4eb52aa10","keyframes":{"transform":["translate3d(0px, 149.75541%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-251d23af-ceb3-4d27-a853-647ec75b92bd [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Learn more