Flood Insurance

Flood is excluded from every standard homeowners policy. Coverage comes from the NFIP or a private flood carrier, and most policies carry a waiting period.

Flood Insurance by state

Insurance is regulated state by state. What a policy must include, what it may exclude, and who writes it all change at the state line.

Coverage explained
Flood insurance explained
A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.
Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
State guides
Alabama insurance guide
A Gulf hurricane corridor in the south, the tornado belt in the north, and a roof-age question that decides who will write your house.
State guides
Arkansas insurance guide
Plains hail meeting Deep South tornado activity, percentage wind deductibles statewide, and a seismic zone in the northeast that policies exclude.

Talk to someone who has to write it down

Every agency in this directory has agreed to present an adequately protected option before a price-driven one, and to document in writing anything you decline. That is a meaningfully different conversation from the one that starts with a monthly figure.

Find a certified agent for flood insurance

Flood Insurance by state

Reading on flood insurance

Talk to someone who has to write it down