Today we are going to be discussing what flood insurance covers.

When heavy rain pours down, rivers swell, and waters rise, your home might be at risk of flooding. It’s a scenario that can cause significant stress and financial strain. That’s where flood insurance steps in. This type of insurance provides a safety net, helping you recover financially when waters invade your home. We will walk through what this insurance covers and why it’s wise to have it in place.

The Importance Of Flood Maps

Flood maps are tools that show areas prone to flooding. These maps are like weather forecasts but for floods. They show where water might go when there’s a lot of rain or other situations that can cause flooding. Looking at a flood map can give homeowners a better idea of how likely the water might cover their property.

Flooded houses.

Let’s Break Down The Importance Of Flood Maps:

  1. Flood maps help homeowners understand if their homes are at risk of flooding. They show different zones, each with a flood risk level. By checking where your home is on the map, you can see if you’re in a high-risk, moderate-risk, or low-risk area for flooding.
  2. If you know from the map that your area is prone to flooding, you can take steps to protect your home. This might include adding sandbags, installing a sump pump, or even raising your house on stilts.
  3. Flood maps also help in making decisions about getting insurance. If you’re in a high-risk area, it’s a wise idea to get Missouri flood insurance. On the other hand, if you’re in a low-risk area, you might decide you don’t need it.

Comparing Insurance Policies

When it comes to safeguarding your home from the threat of flooding, choosing the right insurance policy is the most important part. Different types of policies are available, each with its features, benefits, and costs. This section aims to explain the differences among various policies, focusing on the National Flood Insurance Program (NFIP) and private options and comparing premiums, coverage limits, and the claims process.

Different Types Of Policies

Policies Can Be Broadly Categorized Into Two Types:

1. National Flood Insurance Program (NFIP):

    • The NFIP is a federal program that provides insurance to homeowners, renters, and business owners in participating communities
    • It aims to reduce the impact of flooding by offering affordable insurance to properties at risk

2. Private Insurance

  • These policies often offer more flexibility in terms of coverage options and limits

Comparing Premiums

The insurance cost can vary widely based on the type of policy you choose, the location of your property, and the level of coverage you desire. Here are some options:

1. NFIP Premiums

  • NFIP premiums are standardized based on flood risk, building type, and coverage level.
  • They can be affordable, especially for homes in high-risk areas.

2. Private Insurance Premiums:

  • Private insurance premiums can be competitive and, in some cases, cheaper than NFIP premiums.
  • Individual insurance companies determine them based on their risk assessment and other factors.

Claims Process

Filing a claim post-flooding is crucial to getting the financial assistance needed for repairs and recovery. Follow the steps:

1. NFIP Claims Process

  • Filing a claim with the NFIP can be straightforward, but receiving the payout might take some time due to the high volume of claims after widespread flooding events.

2. Private Insurance Claims Process

  • Private insurance companies might offer a quicker claims process and personalized service.
  • Some private insurers offer additional support, like providing temporary housing assistance while your home is being repaired.

What Flood Insurance Covers

The insurance provides coverage for your home and its contents, but the extent of coverage can vary. Here’s a breakdown of what’s typically covered:

1. Building Coverage

  • The physical structure of your home and its foundation.
  • Electrical and plumbing systems.
  • Central air conditioning equipment, furnaces, and water heaters.
  • Built-in appliances like dishwashers and microwaves.

2. Contents Coverage

  • Personal belongings such as clothing, furniture, and electronic equipment.
  • Portable appliances.
  • Carpets that aren’t permanently installed.

Some policies may also cover other structures on your property, like garages and sheds. It’s essential to read the terms and conditions of your policy to know exactly what’s covered.

Aerial view of flooded house with dirty water all around it.

What Flood Insurance Does Not Cover

Like any insurance policy, there are exclusions. The insurance typically does not cover:

  • Damage caused by moisture, mildew, or mold that the homeowner could have avoided.
  • Currency, precious metals, and valuable papers such as stock certificates.
  • Outdoor properties like decks, fences, patios, landscaping, wells, and septic systems.

In case there is water damage to your basement, and you need to move your furniture or other items out, you might consider renting storage for a flooded basement. Take into account a great option—an on-site container storage to keep your items dry. You can have everything close by and ensure you avoid even more material loss.

Claims Process Post-Flooding

When floods occur, the aftermath can be overwhelming. One of the crucial steps towards getting back on your feet is filing a claim with your insurance company to get the necessary financial support for repairs and replacements. Below, we break down the steps homeowners should follow in the claims process post-flooding:

  1. Once it’s safe, take photos and videos of all flood damage in your home.
  2. Make a list of damaged items with their estimated value.
  3. Contact your insurance company to report the flooding as soon as possible.
  4. Fill out and return any required claim forms promptly.
  5. An adjuster will visit to assess the damage. Share your photos, videos, and list of damaged items with them.
  6. Review the adjuster’s repair estimate and discuss any concerns with your insurance company.
  7. After agreement on the estimate, your insurance company will process the claim and provide compensation for repairs and replacements.

Why You Need Flood Insurance

If you live in an area prone to flooding, having flood insurance is a no-brainer. But even if you don’t, here are a few reasons why it’s a smart move:

  • Peace Of Mind: Floods can happen anywhere, anytime. Having the insurance gives you peace of mind, knowing you’re financially protected.
  • Mortgage Requirement: Some mortgage lenders require flood insurance if your home is located in a high-risk flood zone.
  • Affordable Protection: Insurance premiums are relatively affordable compared to the potential cost of flood damage.
  • Quick Recovery: With the right coverage, you can get back on your feet quickly after a flood without the financial burden.


Flood insurance is essential for homeowners, providing vital protection for your property and possessions against flood damage. While it may seem like an extra expense, the peace of mind and financial security it offers make it a worthwhile investment. Check with insurance providers to find a policy that suits your needs and ensures you’re well-prepared for whatever nature throws your way.

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