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Flood (FEMA) & Excess Flood Insurance


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Natural disasters such as floods are detrimental. What makes it even worse that some homeowners do not realize their home insurance policy does not cover floods. Flood insurance must be purchased separately. If you live in an area where flooding is common, your homeowners policy will not help pay for anything unless you’ve specifically purchased flood insurance. 

There is a federal program in place called National Flood Insurance Program that was designed to protect properties against flood losses through a policy purchased from the government, but it is not as comprehensive as private policy and may not cover all expenses stemming from a flood.


Even if you do not live near a large body of water you may need this type of property-related insurance. Heavy rainfall and flooded sewers can cause detrimental floods almost anywhere. Your best bet is to speak with your insurance agent for guidance. 


Flood insurance coverage varies based on your needs. But most policies specify the flood must affect at least 2 acres of your property and the water must come from outside the home. This means flood insurance will not cover water damage from pipes that burst in your home. The policy will also not cover water damage from pools and spas.


You will have to decide if you want property coverage, content coverage or both. Property coverage helps rebuild or repair the home. Content coverage provides the cash value of the contents inside the home. Keep in mind that money, business papers, jewelry, and firearms are not covered.


You can affect your premiums by raising or lowering your deductible. A large deductible means lower premiums, but you will pay more out of pocket following an event. You have to decide which is most important. Also keep in mind that items such as furs or jewelry might require special coverage.

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