Cover photo of a father playing on the floor with his young children, a boy and a girl

Flooding can be an emotionally and financially devastating event. Without flood insurance, most residents have to pay out of pocket or take out loans to repair and replace damaged items. With flood insurance, you’re able to recover faster and more fully.

circle with half fire and half water

Risk of Flooding After A Wildfire

Residents living in and around areas impacted by wildfires face an increased risk of flooding for up to several years after a wildfire. Residents living in the Western U.S. – CA, WA, OR, CO, ID, UT, NV, MT, and AZ – are encouraged to purchase flood insurance to protect against devastating flooding and mudflows.

The Cost of Flooding

Use the tool below to see how much flood damage—even from just a few inches of water—could cost you.

Are you using an assistive device? A text-only version of the Cost of Flooding Tool is available here.

Do You Need Flood Insurance?

Here are some important facts to keep in mind:

  • FACT: Homeowners and renters insurance does not typically cover flood damage.
  • FACT: More than 20 percent of flood claims come from properties outside high-risk flood zones.
  • FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.
  • FACT: Disaster assistance comes in two forms: a U.S. Small Business Administration loan, which must be paid back with interest, or a FEMA disaster grant, which is about $5,000 on average per household. By comparison, the average flood insurance claim payment over the past 5 years was about $69,000.

It’s easy to see that having flood insurance provides important recovery help.