Flood Insurance

Protect your home with flood insurance.

Get a quote online

Or call (800) 841-2964 for your free rate quote.

Review And Update Your Flood Insurance Policy

Assurant Flood Policies

All Other Flood Policies


Avoid Lapses

If you are paying for your flood policy out of pocket, be sure to make your renewal payment on time — otherwise you may have to wait up to 30 days for new coverage to be effective.

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Existing policyholder?

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Get your flood insurance quote and protect your investment.

Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage. After all, water's great in pools and on water slides but not so much in your basement or living room. So, whether you're required to buy flood insurance or just want additional protection for your property, GEICO can help insure your investment with a flood policy through the National Flood Insurance Program (NFIP).

What is a flood?

A flood is defined by the NFIP as: A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

The Federal Emergency Management Agency's Flood Map Service Center will help you locate your area's flood map.

What does flood insurance cover?

Flood insurance provides coverage both the structure of the home and personal property if they are damaged in a flood.

These coverages usually have separate limits and deductibles so read the details carefully. You need to make sure you understand what you are purchasing. Our flood insurance counselors are happy to help you. Call us at (800) 841-2964.

Do I need flood insurance?

Many people associate floods with places like Florida, Texas, and California since their borders are on the ocean. But those are not the only areas that need to consider flood insurance.

Even if you don't live near the coast, there may still be a great risk of flooding. Learn more about Flooding in America to help determine if you need to consider getting a flood insurance quote.

We've got you covered for flood insurance.

If your home is in a community that participates in the NFIP you may be eligible for flood insurance at a modest cost through the federal government. This means insurance companies issue flood insurance that's administered by the federal government.

Why choose GEICO to help you get flood insurance?

Big coverage for a small premium:

  • Backed by the federal government
  • Cover damages not covered by homeowner's policies
  • Rates tailored to your specific area

When should I buy flood insurance?

Plan ahead and buy flood insurance before a flood risk is approaching. Most flood insurance policies require a 30-day waiting period before the coverage is effective. Exceptions include if you've purchased a new home and the closing is in less than 30 days.

How much would it cost to replace your stuff?

Use our personal property calculator to add up the cost of your belongings:

  • Furniture
  • Clothing
  • Electronics
  • Jewelry
  • And other items

How do I buy flood insurance?

Get a flood insurance quote with GEICO by talking to one of our qualified agents. Call (800) 841-2964 to get a free flood insurance quote. Flood polices must be paid in full. Typically, payment can be rolled into your mortgage or paid by credit card.

Flood Insurance Service and Claims

It's easy to manage your policy, report a claim, or just chat about your flood insurance policy. You can reach a helpful agent at (855) 716-2302 (Assurant customers can call (855) 395-9765). To report a claim, please refer to our list of partners.

When you click on the "Get a quote online" or "Get a flood insurance quote" link you will be taken to a site owned by Assurant, not GEICO. GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibilities in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Flood coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc.