Flooding can occur at any time during the year and is a threat across the United States. Flooding can occur when rain falls heavily for several days, with extreme rain in a short period of time, or by debris causing a river to overflow. Whether it results from melting snow, thunderstorms or tropical storms, flooding can cause extensive damage. That's why it's important to have flood insurance.
Important flood information:
- Standard homeowners and commercial insurance policies do not include coverage for flood damage.
- Flood insurance must be purchased as a separate policy and is available to consumers through the National Flood Insurance Program. NFIP recommends purchasing flood coverage even if you do not live in a high-risk flood zone.
If you're caught in a flood: