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Flood Insurance

Floods can happen anywhere—even outside high-risk zones. In fact, over 20% of flood insurance claims come from low-risk areas. Whether caused by heavy rain, clogged drains, or melting snow, floods are the most common natural disaster in the U.S. Protecting your home and belongings with flood insurance ensures you're prepared for the unexpected.

Understanding the importance of flood insurance

Just one inch of floodwater can cause up to $25,000 in damage. While home policies may cover water damage from burst pipes, they don’t protect against floods caused by weather or natural events. Flood insurance is the only way to cover these costly risks. No matter where you live, flood insurance provides peace of mind and financial security.

Coverage to safeguard your home from flooding

Flood insurance fills in the gap for homeowners insurance exclusions related to flood-related damage and covers your home and property, essential systems and your personal possessions. You can customize the coverage that’s right for you.

Dwelling coverage

Dwelling coverage covers the repair or replacement cost of your home's structure from flood damage. This includes the walls, roof, foundation and built-in appliances, as well as heating and electrical systems. 

Personal property coverage

Personal property coverage protects your belongings from flood damage. This can include things like rugs, furniture, clothing, electronics and appliances.

What's not covered

Flood insurance doesn’t cover damage to basements, cars, pools, landscaping or outdoor structures, and it excludes damage that isn’t directly caused by flooding, like landslides, earthquakes or sewer backups. Flood insurance also won’t cover temporary living expenses. Those are covered under your home policy.

How to get flood insurance

You can get flood insurance through the National Flood Insurance Program (NFIP) and some private insurers. At Amica, we can help you get flood insurance quotes, answer questions about policies and assist you in determining which coverage is right for you.

Please keep in mind that a new flood insurance policy or an increase in coverage will not take effect until 30 days after it was requested. So it’s not possible, for instance, to obtain flood insurance as soon as threatening weather is forecasted. There are some exceptions to the waiting period, such as insuring a newly purchased home or if you’re refinancing and flood insurance is required by the mortgagee.

National Flood Insurance Program (NFIP)

The NFIP is managed by the Federal Emergency Management Agency (FEMA) and provides flood insurance to homeowners, renters and businesses. NFIP policies are available to anyone in one of the participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.

Private flood insurance 

Some insurers also offer private flood insurance, with higher limits and coverage for a wider range of items not covered in an NFIP policy. These can include basements, pools and external structures, as well as the cost of removing debris caused by flooding and temporary living expenses during necessary home repairs. If you have more to protect, it makes sense to get flood insurance quotes outside the NFIP.

Why choose Amica?

The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.

Exceptional value

Our approach to insurance focuses on you – you’re at the forefront of everything we do. We provide customized coverage ensuring you’re well protected. With access to a variety of discounts and rewards programs, you have the potential to lower your rates without sacrificing the quality of your coverage, giving you peace of mind.

Quality service

We’re here for you, ready to assist with policy management, claims processing and more. Our dedicated support team has a long history of customer satisfaction, which means you can expect assistance from knowledgeable representatives who understand your individual needs. Whether it's paying your bill or providing guidance on coverage options, Amica aims to deliver exceptional service at every touchpoint. 

Reliable protection

Experience reliability with swift claims resolution with minimal disruption. Amica policyholders have access to a convenient online portal or the mobile app where they can easily manage their claims. Policyholders also have access to advanced tools and resources for proactive protection for a seamless insurance experience.

Common questions about flood insurance

To protect your home from flood damage, consider installing a sump pump and French drain, sealing cracks in foundations or walls, and elevating important belongings.

As soon as safely possible, contact your insurance company to file a claim and provide details about the damage. Your insurer will guide you through the claims process and may assign an adjuster to assess the damage. You’ll need to provide details about your policy and the extent of the damage with photos of affected items.

Standard homeowners insurance does not cover water damage caused by floods or sewer overflow, nor does it protect against long-term, gradual leaks, groundwater seepage or sump pump overflow. Depending on where you live and the features of your home, it may be wise to extend your coverage or purchase flood insurance through the National Flood Insurance Program.

You should get flood insurance quotes right away so you can secure coverage as soon as possible. While there are some exceptions, new flood insurance policies and increases in coverage take 30 days to go into effect, so don’t wait for forecasted storms to get protection from flooding. 


Insights and guidance about flooding


Customer service that earns loyalty

Excellent mutual insurance is built on lasting relationships with each policyholder. At Amica, our customers are our best advocates. Hear more about the Amica experience directly from them.

Get a flood insurance quote

or call 844-395-4419

Flood Insurance, Federal Emergency Management Agency (FEMA), 2024.

AMIC-02-121624