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 * Sign Up for Updates
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 * FloodSmart for Agents

Main Global Search, Enter Search Term(s):

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 * 
 * Buying a Policy
   * Buying a Policy
   * Why Buy Flood Insurance
   * Am I Required to Have Flood Insurance?
   * What’s Covered
   * Types of Flood Insurance
   * How to Buy Flood Insurance
   * Find an Insurance Provider
 * Renewing a Policy
   * Renewing a Policy
   * Why Should I Renew My Policy?
   * How to Renew Your Policy
 * Flood Risks and Costs
   * Flood Risks and Costs
   * Cost of Flooding
   * What Impacts My Premium and Policy Costs?
   * Climate Change and Risk
   * Policy Terms
   * How Can I Pay Less?
 * Before and After a Flood
   * Before and After a Flood
   * Steps to Prepare for Flooding
   * How Do I Start My Flood Claim?
   * Document Damage and Start Clean Up
   * Disaster Response
   * Appeal Your Flood Claim
   * Understanding Coverage Decisions
   * Reducing Future Flood Damage
 * Flood Zones and Maps
   * Flood Zones and Maps
   * Historical Claims Map
   * All About Flood Maps
   * Flood Map Updates
   * Elevation Certificates

 * Why Buy Flood Insurance
 * Am I Required to Have Flood Insurance?
 * What's Covered
 * Types of Flood Insurance
 * How to Buy Flood Insurance
 * Find an Insurance Provider


WHAT FLOOD INSURANCE COVERS

In the event of a flood, your National Flood Insurance Program (NFIP) policy
covers direct physical losses to your structure and belongings.


WHAT DOES MY POLICY COVER?

Purchasing flood insurance will help protect the things you value. The NFIP
offers two types of coverage – building coverage and contents coverage – to
protect your home and belongings. Here are examples of what’s covered with NFIP
flood insurance:

Building coverage protects your:
Contents coverage protects your:

 * Electrical and plumbing systems
 * Furnaces and water heaters
 * Refrigerators, cooking stoves, and built-in appliances like dishwashers
 * Permanently installed carpeting
 * Permanently installed cabinets, paneling, and bookcases
 * Window blinds
 * Foundation walls, anchorage systems, and staircases.
 * Detached garages
 * Fuel tanks, well water tanks and pumps, and solar energy equipment

 * Personal belongings such as clothing, furniture, and electronic equipment
 * Curtains
 * Washer and dryer
 * Portable and window air conditioners
 * Microwave oven
 * Carpets not included in building coverage (e.g., carpet installed over wood
   floors)
 * Valuable items such as original artwork and furs (up to $2,500)


WHAT ISN’T COVERED BY FLOOD INSURANCE?

When determining coverage, the cause of flooding matters.

Flood insurance covers losses directly caused by flooding. In simple terms, a
flood is an excess of water on land that is normally dry, affecting two or more
acres of land or two or more properties.

For example, damage caused by a sewer backup is covered if the backup is a
direct result of flooding. If the sewer backup is not caused directly by
flooding, the damage is not covered.

 * Items not covered by building or contents coverage:
    * Temporary housing and additional living expenses incurred while the
      building is being repaired or is unable to be occupied
    * Property outside of an insured building. For example, landscaping, wells,
      septic systems, decks and patios, fences, seawalls, hot tubs, and swimming
      pools
    * Financial losses caused by business interruption
    * Currency, precious metals, stock certificates and other valuable papers
    * Cars and most self-propelled vehicles, including their parts
    * Personal property kept in basements

 

Have questions about your coverage? Talk to your insurance agent about what is
and isn’t covered by your policy, and check out the NFIP Summaries of Coverage:

 * Standard Flood Insurance Policy Summary of Coverage
 * Commercial Property Summary of Coverage
 * Summary of Coverage for Group Flood Insurance Policyholders
 * Summary of Coverage for Residential Condominium Buildings



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BUY FLOOD INSURANCE TODAY.

Call your insurance agent, the same person who sells your home or auto
insurance. Need help finding an insurance provider? Use the NFIP’s insurance
provider locator.

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Get Covered

FEMA | National Flood Insurance Program

500 C St SW, Washington, D.C. 20472

Disaster Assistance: (800) 621-FEMA

floodsmart@fema.dhs.gov

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