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Flood insurance: 4 things to know

Homeowners policies don't cover flood damage. Here are four things to know when deciding if you need flood insurance.

1Know your flood risk

Flood maps show areas of high, moderate, and low flood risk as a series of zones. You can search for the flood map that includes your property at FEMA's Flood Map Service Center.

2There’s a wait

Most flood policies have a 30-day waiting period before kicking in so don’t wait for an approaching storm before deciding to buy coverage.

3What it costs

The average flood policy costs about $700 a year. The cost will vary depending on your flood risk, the value of your home, and other factors.

4Where to get it

Visit to find an agent in your area and more information.


Do you need flood insurance?

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If it can rain, it can flood (video)


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Last updated: 7/6/2018