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Frequently Asked Questions

How much flood insurance coverage is available?

Flood coverage limits for a standard flood policy are:

Coverage TypeCoverage Limit
One to four-family structure$250,000
One to four-family home contents$100,000
Other residential structures$500,000
Other residential contents$100,000
Business structure$500,000
Business contents$500,000
Renter contents$100,000

Back to Frequently Asked Questions: Types of Flood Insurance


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent

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Last Updated: Wednesday, 21-Sep-2016, 2:01 PM (EDT)

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