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Flood insurance

Homeowners and commercial insurance policies typically do not cover flood damage.

If your property is located in a flood-prone area (a "Special Flood Hazard Area"), your lender will likely require you to have flood insurance. Even if you live in a minimal or moderate flood hazard area, you may still want to buy flood insurance.

• Flood insurance is widely available through the National Flood Insurance Program (NFIP).
• You can check your flood risk by typing the property address into the "One-Step Flood Risk Profile" from the NFIP.
• There are, however, limits to federal flood insurance. For commercial structures, for example, the NFIP maximum is $500,000 for the building and $500,000 for the contents. Even small businesses may need supplemental coverage.

Where to find more information

• Myths and facts about the National Flood Insurance Program
• Protecting against and recovering from a flood.
  

 

Updated 03/15/2012