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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.

Flooded street

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:

Emergency Info

National Weather Service
National Hurricane Center
American Red Cross
Federal Emergency Management Agency