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Get a policy through the National Flood Insurance Program (NFIP) and other private insurance companies.
Your flood plan may not renew on its own. Be sure to renew your NFIP plan online.
If you use a private insurer they can help renew.
Rising water from outside can cause damage to your home.
A flood policy can help cover the structure of your home and your belongings.
Most homeowners and rental policies don’t cover water damage from a natural disaster.
In the past 5 years, floods have affected all 50 states. Certain situations can cause flooding in any area. Here are some examples.
Live in an area with snowy winters? Come spring, that snow can turn into water that can flood parts of your home.
Land that's been dry for a long time often can’t handle heavy rains. When the soil doesn't absorb water, it doesn't take much rain to cause flash floods.
Massive storms are normal for coastal areas. Even if you live inland, a stalled storm can flood the oversaturated ground.
As land gets built up, there's less open soil to soak up rainwater. This can redirect water drainage, and your neighborhood could be in its new path.
Wildfires destroy plants and trees that reduce water runoff. Without them, the ground can’t absorb water, which can cause flash floods and mudflows.
Different insurers have different coverage, so make sure you check your policy. You'll want to know what's covered.
Appliances and cabinets
Carpet and flooring
Electrical and plumbing systems
Heating and air systems
Furniture
Clothes
Electronics
Some valuables, like jewelry and artwork
Vehicles
Basements
Money, including paper bills and coins
Pools and landscaping
Damage from earth movement
Sewer backups not caused by flooding
Mold and mildew not caused by flooding
We offer policies through the NFIP, and the USAA Insurance Agency can help you get one from a private insurer.
If an NFIP policy isn’t enough to rebuild your home, you can also add a private policy for excess coverage.
Get coverage up to $250,000 to rebuild your home.
For TTY devices, dial 711
Note: Days and times may vary.
You could get more than $250,000 of coverage to rebuild your home.
For TTY devices, dial 711
Note: Days and times may vary.
Floods are the top natural disaster in the U.S., and they can happen anywhere. To help protect your physical home and the contents inside, you’ll need to get flood insurance.
Video Duration: 1 minute 20 seconds
You've heard it before: When it rains, it pours.
But here's a little twist for you: When it rains, it also can flood – wherever you live. It's time to accept the following fact before it's too late: every home is at risk of flooding.
Even if your house is in a “low-risk” flood zone, “low-risk” does NOT mean “no-risk.”
In fact, more than 40% of flood claims are from moderate or low-risk areas.
Description of Visual Information: [Source: FEMA (2022)] End of description.
That's reason enough to think about getting flood insurance or renewing your policy.
Did you know typical homeowners insurance policies don't cover floods?
Description of visual information: [The case for flood insurance] End of description.
Here's more proof why you should consider flood insurance.
In the past five years, all 50 states have experienced a flood or flash flood.
Description of Visual Information: [Source: FEMA (2024)] End of description.
Yet, only about 4% of homeowners said they have flood insurance.
Description of Visual Information: [Source: U.S. Government Accountability Office (2024)] End of description.
Still not convinced? Think about how much a flood could cost you. Just a few inches of water in your home can cost tens of thousands of dollars.
Don't you think it's time to get flood insurance? There's typically a 30-day waiting period before the policy is effective, so you may want to sign up today.
You can't afford to wait until flooding's in the forecast.
There are a few things that could affect the cost of flood insurance. It can also depend on which state you live in.
Higher deductibles can lower your premium. Just keep in mind that you’ll need enough funds in the bank to pay your deductible if you make a claim.
It only takes an inch of water to cause thousands of dollars in damage. Make sure you have enough coverage to make repairs or rebuild your home.
Depending on where you live, your mortgage company might require you to get flood coverage. They may also add your premium to your mortgage payments.
Flood damage is caused by rising water, or floodwater, from outside your property.
Water damage could be from a burst pipe or rainwater coming in through a hole in the roof. It’s damage that’s not related to outside floodwaters.
Most homeowners policies don’t include flood coverage. You’ll have to separately purchase flood insurance for your home.
You don't have to buy flood coverage, but floods happen, so it's a good idea to protect your stuff. Most renters policies leave out flood coverage, but it's included with a USAA Renters Insurance policy. USAA Renters Insurance policy