What is Flood Insurance?

Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect you, your home, or your business. Most homeowners have insurance policies that do not cover flood damages.

With flood insurance from the National Flood Insurance Program (NFIP), there’s no need to shop around for the lowest rate. Flood insurance is available to anyone living in the participating NFIP communities.

A flood insurance policy normally takes 30 days from the date of purchase to go into effect. So, don't wait until a flood is imminent to buy a policy.