🌊 Flood Insurance Estimator
Flood damage is NOT covered by standard homeowners insurance. Estimate your flood insurance premium based on FEMA flood zone and property details.
Flood Insurance FAQ
Flood insurance is mandatory if: (1) Your home is in a Special Flood Hazard Area (SFHA / Zone A or V) AND you have a federally backed mortgage. Lenders will require it. Even if it's not mandatory, anyone can buy flood insurance and ~25% of all flood claims come from outside high-risk zones.
The NFIP (National Flood Insurance Program) covers: (1) Building property up to $250,000 (for residential), (2) Personal property (contents) up to $100,000. It does NOT cover: temporary living expenses, basement improvements (finished walls, flooring), or business interruption. Most policies have a 30-day waiting period before coverage takes effect.
Private flood insurance can offer: (1) Higher coverage limits (above $250K/$100K), (2) Lower premiums for some properties, (3) Faster claims processing, (4) Replacement cost coverage for contents (NFIP pays actual cash value). However, NFIP has government backing and is more stable during catastrophic years. Compare both using our calculator.
📎 You Might Also Need
Based on your flood insurance calculation, you may also want to estimate these costs: