Flood Insurance
Flooding can happen just about anywhere it rains or snows. On average, 40% of the National Flood Insurance Program (NFIP) flood insurance claims occur outside the high-risk flood areas. That's why it's important to consider flood insurance, even if you live in an area with low-to-moderate flooding risk.
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Flood Coverages
Flood insurance policies cover direct physical loss by or from flooding to your building and personal property. The following is an overview of items that could be eligible for coverage depending on the coverage purchased.
You can get a policy that covers just your home's structure (building coverage). Or you can get a policy that cover both your home's structure and your belongings (contents coverage). Renters can buy a policy that covers only their belongings. Rates will vary depending on your property's characteristics and whether you live in a high-risk area or one that's considered moderate-to-low risk.
Coverage for basements and property in them is limited regardless of flood risk. Your agent can help you in determining your flood risk and understanding the type of flood coverage options you have.
Building Property coverages can include:
The building and its foundation
Electrical and plumbing systems
Central air conditioning equipment, furnaces and water heaters
Window blinds
Refrigerators, stoves and built-in applicances such as diswashers
Permanently installed carpeting over unfinished flooring
Permanently-installed paneling, wallboard, bookcases and cabinets
Detached garages (up to 10% of Building Property coverage)
Personal Property (contents) coverages can include:
Personal belongings, such as clothing, furniture and electronic equipment
Curtains
Portable air conditioners, microwave ovens and dishwashers
Certain valuable items such as original artwork and furs (up to $2,500)
Freezers and the food in them
Carpets not permanently installed over unfinished flooring
Washers and dryers
Replacement Cost coverage is not available for personal property
Additional Coverage Options:
- Debris Removal at federal minimum wage (not subject to deductible)
- Loss avoidance measures ($1,000 limit, no deductible)
- Increased Cost of Compliance — flood proofing, relocation, elevation and demolition (subject to limitations and qualifying criteria)
Flood Insurance FAQ
Have questions about flood insurance? We have answers!
Homes and businesses in high-risk flood areas with government-backed mortgages are required to have flood insurance. You can search your property's address on the FEMA Flood Map Service Center website for flood hazard information.
Homes and businesses that are outside of the high-risk flood areas are not federally required to purchase flood insurance; however, a lender may still require it.
Even if you're not required to have it, it's still a good idea to consider purchasing flood insurance protection.
If you have a property that is outside of the 23,000 NFIP participating communities, contact your agent or our Foremost Internal Flood Team. Private flood insurance options may be available for your property in a non-participating community.
