Flood Insurance

Flood Insurance to Protect Your Home

Get a Flood Insurance Quote

Or call (800) 566-1575 for your free flood insurance 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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Protect Your Property With Flood Insurance

Flood insurance is essential coverage that goes beyond a standard homeowners insurance policy. It helps protect your home and personal property from severe types of water damage—like heavy rain, snowmelt, or coastal storms—that homeowners insurance usually won’t cover.

Whether you're required to carry flood insurance or just want extra protection, GEICO Insurance Agency offers can help you find policies through the National Flood Insurance Program (NFIP).

Why Do I Need Flood Insurance?

If you live in an area at high risk for floods, flood insurance may be required by your lender. Enter your address here to determine if you live in a high-risk zone in the United States.

Do you think your house is safe from flooding because you don't live near the coast? The truth is, floods can occur anywhere including areas outside of high-risk flood zones. More than 40% of flood insurance claims come from outside high-risk flood areas. Another thing to consider is that most homeowners insurance doesn't cover flood damage. Flooding is the most common and costly natural disaster in the United States.

When Should I Buy Flood Insurance?

Buy flood insurance before a flood risk appears. 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.

What Is a Flood? Defining the Risk

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.

Flood Insurance Coverage

What Flood Insurance Covers?

Flood insurance provides coverage for both the structure of the home and personal property in case of damage.

Flood insurance policies usually cover:

  • Appliances
  • Carpet and flooring
  • Cabinets
  • Electrical and plumbing
  • Heating and air units

Keep in mind that structure and personal property coverages usually have separate limits and deductibles so read the policy details carefully. Our flood insurance counselors are happy to help. Call us at (800) 566-1575.

What Isn't Covered by Flood Insurance?

The NFIP flood insurance contract does not provide coverage for things like:

  • Damage caused by earth moving
  • Additional living expenses
  • Retaining walls and decks
  • Swimming pools
  • Currency or valuable papers

This is not a complete list. You should read your policy contract to make sure you know what is and isn't covered. Our flood insurance counselors are also available to help you with questions.

Does Flood Insurance Cover the Basement?

Flood insurance for basements is limited. Certain items used to service the residence are covered, like water heaters, furnaces, washers, and dryers.

Flood insurance does not cover carpeting, wall finishing, and other personal property.

The Cost to Replace Your Belongings With Flood Insurance

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

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

Benefits of a Flood Insurance Quote Through GEICO Insurance Agency

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. By purchasing your flood insurance through the GEICO Insurance Agency, it will be part of your GEICO Portfolio. You will also get the same great service you expect.

Benefits of getting a flood insurance policy include:

  • Backed by the Federal Government. If the insured cannot purchase an NFIP policy, they would need to go through the private market.
  • Covers flood damages that a standard homeowners policy typically won't protect, like water damage from heavy rain or storm surges.
  • Rates are based on your property’s flood risk zone, elevation, and location, so you get flood insurance premiums that match your specific area.

Get Your Flood Insurance Quote Through GEICO Insurance Agency

Ready to protect your home? Get a personalized flood insurance quote through GEICO insurance agency by talking to one of our qualified agents. Call (800) 566-1575 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.

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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.

Flood Insurance Frequently Asked Questions

  • What happens if I don't have flood insurance?
    If you don’t have flood insurance, you’ll be responsible for paying out of pocket for any flood damage to your home and personal belongings. Standard homeowners insurance typically doesn’t cover flood-related losses, so even a few inches of water can result in thousands of dollars in repair costs. Flood insurance helps protect you from these unexpected expenses.
  • What can I do to help keep my home safe from floods?
    Check out some tips on flood insurance and flood damage.
  • How do I make a flood claim?
    You can report a claim by calling the carrier listed on your policy paperwork. Check out the partner claims contact page for phone numbers.
  • Does homeowners insurance cover flood damage?
    Most standard homeowners insurance policies do not cover damage from flooding. If you live in a designated flood zone or an area that is prone to flooding, flood insurance is important to cover damages that may not be covered by your home insurance policy.
  • Are there different kinds of flood insurance?
    There are two types of flood insurance: structural and contents coverage. Structural flood insurance comes in all flood insurance policies and covers items like the floor, walls, or other things permanently attached to the home. Contents coverage must be purchased separately for items that aren't permanent fixtures in the home.
  • Can I get insurance in a high risk flood area?
    Yes, you can - and you should! Living in a high-risk flood area does not disqualify you from insurance. If your property has a history of floods or is in a high-risk zone, we recommend obtaining a flood insurance quote today to cover your home.
  • Where can I learn more about flood insurance?
    Visit our page with more information about flood insurance to learn more about flood insurance and what it covers.
  • Is flood insurance coverage still important in low-risk areas?
    Yes, flood insurance is still important in low-risk areas. Floods can happen anywhere and according to FEMA, 40% of NFIP flood claims come from outside high-risk areas. No matter where you live, having flood insurance provides financial protection and peace of mind.

Flood Insurance Articles and Resources

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, LLC.