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Flood Insurance Policy Basics Flood Insurance Policy Basics

If you are a current flood insurance policyholder, you know that your policy will help reduce the financial consequences of flooding, the Nation's most common and costly natural disaster. In fact, during the past 5 years, the average flood insurance claim was more than $34,000. Find the average claim for your state.

Deductibles

Flood insurance deductibles apply separately to a covered building and its contents. As is the case with other insurance plans, a higher deductible will lower your premium and reduce your claim payment. It's always a good idea to speak with your insurance agent about the deductible that's best for your situation. Also, check with your mortgage lender, as there may be a maximum amount for your deductible.

What's Covered

It's important to know what is and is not covered under your flood insurance policy. Know the facts about residential and commercial coverage.

If you are not currently covered, learn more about residential coverage, or commercial coverage.

Learn more about flood insurance by visiting the sections below. You can also read our Frequently Asked Questions or contact FloodSmart@fema.dhs.gov.

FILING A CLAIM

Review the steps for filing a flood insurance claim and details about other financial assistance.

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WHEN FLOOD MAPS CHANGE

Information on flood maps and how updates can affect your policy.

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Homeowner Flood Insurance Affordability Act of 2014

How it may impact you.

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REWEWING YOUR POLICY

In order to financially protect yourself in case of a flood, renew your policy each year.

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PREPARATION AND RECOVERY

What to do before, during, and after a flood.

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PRIMARY RESIDENCE DISCLAIMER


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, 17-Jun-2015, 0:02 AM (EDT)

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