Flood insurance
Flood risk is not limited to properties inside the highest-risk zones.
Heavy rain, drainage and rising water can affect homes outside mapped high-risk areas.
A separate policy
Most homeowners policies exclude flood. Coverage may be available through the National Flood Insurance Program or private insurers, subject to eligibility.
Building and contents
Building and contents limits are separate. Basement, enclosure and below-grade property restrictions deserve close attention.
Waiting periods
Flood policies may have waiting periods with limited exceptions. Purchase before a storm is approaching.
Elevation and documentation
Flood zone, elevation, foundation type, prior losses and replacement cost can affect options. Keep photos and inventories before a loss.
Complete household protection