When it comes to protecting your home, most people think of fire alarms, security systems, or even homeowners insurance. But what many don’t realize—until it’s too late—is that standard homeowners insurance doesn’t cover flood damage. If your area experiences even moderate flooding, the cost of repairs can be devastating. That’s where flood insurance comes in.
Why You Might Need Flood Insurance (Even If You’re Not in a High-Risk Zone)
Contrary to popular belief, floods can happen anywhere. According to FEMA, more than 20% of flood claims come from properties outside high-risk flood zones. Heavy rains, snowmelt, or even a poorly draining neighborhood can lead to flooding.
Flood insurance provides a financial safety net, covering things like:
- Structural damage
- Electrical and plumbing systems
- Appliances and flooring
- Foundation and HVAC systems
How to Get Flood Insurance
Most flood insurance in the U.S. is provided through the National Flood Insurance Program (NFIP), though some private insurers offer policies as well. You can typically purchase flood insurance through your existing home insurance provider. Keep in mind there is usually a 30-day waiting period before coverage begins, so it’s best to act before the forecast looks stormy.
What It Costs
The cost of flood insurance depends on several factors, including:
- Your home’s location and flood zone classification
- The elevation of your home
- Type of coverage and deductible you choose
- Whether your home has a basement
For low-risk areas, premiums can be surprisingly affordable—often under $500 per year.
Protecting Your Belongings
While flood insurance covers structural damage and built-in items, it’s wise to protect your personal belongings in advance. Store important documents, keepsakes, and electronics in waterproof containers or on elevated shelves.
We recommend the SentrySafe Waterproof and Fireproof Safe Box – it’s compact, durable, and ideal for storing passports, titles, and digital backups.
Final Thoughts
Floods are unpredictable and often occur with little warning. Even a few inches of water can lead to thousands of dollars in damage. Flood insurance is one of the most overlooked yet essential protections a homeowner can have. If you’ve been putting it off, now is the time to talk to your insurance agent and review your risk.
It’s not just about peace of mind—it’s about being financially prepared for the unexpected.
