Most homeowners insurance does not cover floods.

  • Only flood insurance financially covers your home and your personal property from floods.
  • ​A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and unlike a Federal disaster loan, it does not have to be repaid.

  • Qualifying homeowners in moderate- to low-risk areas can purchase a lower-cost policy.
  • ​Qualifying renters can purchase contents-only coverage for buildings in moderate- to low-risk areas.
  • ​​A lower-cost PRP also is available to business owners with up to $500,000 building coverage and $500,000 contents coverage (per building).
  • ​​Business owners who lease their space can purchase contents-only coverage.
  • To qualify for a PRP, the property must be located in a moderate- to low-risk area and meet loss history requirements.
  • ​Two claims or disaster relief payments of $1,000 or more for flooding, or three flood losses of any amount, make the structure ineligible for the PRP.

Preferred Risk Policies provide flood protection at the best price.

Many people don’t know about flood insurance. FloodSmart talking points at, answers to frequently asked questions about flood insurance, and barrier-busting rebuttals to flood insurance myths and misconceptions will help you become more informed of you flood insurance options. ​

You can purchase flood insurance no matter your flood risk.

  • Statistics show that if you live in a high-risk zone, you are more likely to experience a flood than a fire.

Flooding is the most common natural disaster

  • If you live in a high-risk area and you carry a mortgage from a federally regulated or insured lender, flood insurance is required.

If you own your property outright, you still should be covered by flood insurance.




You can’t get flood insurance at the last minute.

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If you are in a high-risk area, flood insurance may be mandatory.

  • Anywhere it can rain, it can flood.

  • You don't need to live near a coastline or river to have a flood. Flash floods, inland flooding, and seasonal storms bring flooding to every region of the country.
  • Just a few inches of water can cause tens of thousands of dollars in damage.Type your paragraph here.
  • In most cases, it takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the storm approaches and the floodwaters start to rise.

  • It doesn't matter whether your flood risk is high or low, you can buy flood insurance as long as your community participates in the NFIP.
  • ​You can get flood insurance if your house has been flooded before, even if your mortgage doesn't require it.
  • ​Outside of the high-risk Special Flood Hazard Area, most properties will qualify for the lower-cost Preferred Risk Policy.
  • ​​Even though flood insurance isn't federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk flood areas file nearly 25% of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistance for flooding.

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