Hurricane Helene

If you have flood insurance from FEMA's National Flood Insurance Program and experienced flooding during Hurricane Helene, visit How Do I Start My Claim to learn more about how to file your flood insurance claim. Further details on FEMA operations can be found on the following links: https://www.fema.gov/hurricane-helene Spanish: https://www.fema.gov/es/helene 

water rising above houses

River Flooding:
Your Unexpected Guest

Get Covered

Each year, more homes are experiencing floods due to rising rivers. While you may not live on the river, its waters can pay you an unexpected visit. Spring rains and melting snow—even a little—can cause rivers to reach your home and just one inch of water can cause $25,000 in damage.

The good news? You can plan to greet that rising river with flood insurance.

Understanding Riverine Flooding

Know more. Worry less.

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What is Riverine Flooding?

When the water from streams and rivers becomes too much and overflows its banks, it spills out into nearby low-lying, dry land. This puts inland communities at risk of flooding.

water rising, rain is falling, and a water arm is knocking on the door

What causes Riverine Flooding?

While flooding can occur year-round, spring rainfall and snowmelt can cause river waters to rise. This causes major damage to property and homes. The average number of billion-dollar disasters has more than doubled in the last five years.

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Is my home at risk?

Maybe more than you think. Riverine flooding can impact homes in cities on a river or even miles away from a river. So, while you may not live in an area known for flooding, 98% of all counties have experienced a flood event. In fact, over 40% of NFIP flood insurance claims come from outside the high-risk flood zones. It pays to be protected.

homes with flood insurance paperwork

Am I covered?

Unless you have flood insurance, there’s a good chance you’re not. Most homeowners or renters insurance does not cover flood damage. Disaster assistance is available, but it’s a loan that must be paid back. The best way to recover from riverine flooding is to be prepared with flood insurance.

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Understand Your Coverage

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The Cost of Flooding

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Flood Maps

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How to Reduce Your Costs

Success Story, Hurricane Ida, Manville, New Jersey

Hurricane Ida made Landfall in New Jersey on Sept. 1, 2021, causing the Raritan River to swell. The water flooded nearby communities and inundated homes. It’s a story that’s becoming more common. But being prepared makes a big difference. Thanks to insurance and other mitigation efforts, everyone has a way to feel like their homes and families will be safe in the next big flood.

Find an Agent

What to do before a flood

Take steps to protect your home and family throughout the year and take extra precautions when flooding is predicted in your community. ​ 

The first step to protect your home and belongings from flood damage is to get SET – don’t let your hard work be washed away.​ 

Here are a few steps you and your family can take to be ready for flooding:​ 

  • Save copies of birth certificates, passports, medical records, and insurance papers in a safe, dry place. Keep original documents in a watertight safety deposit box.

  • Elevate and anchor your critical utilities, including electrical panels, propane tanks, sockets, wiring, appliances, and heating systems.​ 

  • Make sure that you clear any debris from gutters and downspouts to avoid an accumulation of water.​

Riverine Flooding

Riverine Flooding

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