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According to FEMA (Federal Emergency Management Agency), flooding is the nationâs most common natural disaster.
Thirty percent (30%) of flood claims are filed by people living in moderate-to-low risk areas, and 90% of all weather-related disasters involve flooding.Â
A standard homeownerâs insurance policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property caused by flooding, including:
- Structural damageÂ
- Furnace, water heater and air conditionerÂ
- Flood debris clean upÂ
- Floor surfaces (carpeting and tile)Â
You can also purchase a flood insurance policy to cover the contents of your home, such as furniture, collectibles, clothing, jewelry and artwork.Â

Why Water Backup Coverage?
In addition to flood insurance, you may wish to add a Water Backup rider to your homeowners insurance policy. This type of insurance can protect you from common losses like the backup of water or water borne materials through a sewer or through a drain. Learn more about this coverage here.
Is Flood Insurance Right for You?
A flood insurance policy is affordable and offers invaluable peace of mind.
But it’s important not to wait until right before a heavy rainstorm to purchase flood insurance.
In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you want to purchase coverage, itâs already too late. You will not be insured if you buy a policy a few days before a flood.