09/30/2026
🤷♂️Do I need flood insurance?🌨
Flood insurance is a separate policy you can buy in addition to your homeowners, renters or condo insurance. It’s a kind of catastrophe insurance. Typically, home insurance policies do not cover flooding from rain, overflowing rivers and other water that enters your home from outside.
Because flooding is such a costly risk, the National Flood Insurance Program (NFIP), part of FEMA, underwrites most flood insurance in the U.S. and collaborates with private insurers, including Farmers®.
Even if you live where flood risk is low or moderate, you are five times more likely to be hit with flooding than a fire in your home over the next 30 years, according to FEMA.
99% of all U.S. counties were impacted by flooding between 1996 and 2019.
Just one inch of floodwater can cause up to $25,000 in damage.
Flood insurance can help you cover losses from damage directly caused by flooding, defined as an excess of water on land normally dry. It provides two types of coverage for your home; each coverage is purchased separately and has a separate deductible. Building coverage helps pay for damage to the physical structure of your home and things that are permanently installed. Contents coverage can help you replace your belongings, including furniture, computers and clothing.
Contact our office for a flood insurance quote at 972-769-9136 or [email protected]
Request a quote here 👇
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