Protect your property, preserve your memories with flood insurance
$209M
NFIP policyholders in California received more than $209 million in claim payments from 2013-2023.
32%
Nearly one-third of all NFIP claims are from outside high-risk flood zones. No home is completely safe from potential flooding. Where it can rain it can flood.
5 years
Flood risk remains significantly higher after a wildfire until vegetation is restored, which takes about five years.
Your property has been protected with flood insurance in the past
Flood events are common—99% of counties have experienced a flood event in the past 20 years—and flood risk increases after a wildfire. Yet most homeowners' insurance does not cover flood damage. A flood insurance policy protects your home and belongings.
Everyone lives in a community with some flood risk. It’s just a question of whether you live in a high-risk, low-risk or moderate-risk flood area. Visit Floodsmart.gov to see historic claims in your community.
Where it rains, it can flood. That’s true even if you don’t live near an ocean, lake or river. National Flood Insurance Program (NFIP) policies make recovery easier.
The National Flood Insurance Program offers two types of coverage: building coverage and contents coverage. Building coverage protects your home’s structure and utilities. Contents coverage protects personal belongings and appliances.
Three things determine your NFIP premium: where your property is built, how it’s built and what it would cost to replace it. It’s completely unique to you and your home. If you live in a low-risk area, you’ll pay less than someone who lives in a high-risk area.
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Take inventory
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Take photos and videos of household items and valuables
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Check paperwork
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Check your mortgage agreement for flood insurance requirements
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Waterproof
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Waterproof your basement and elevate your utilities
