Some Surprising Facts About Flood Insurance

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Release date: 
September 10, 2010
Release Number: 
1933-002

NEW BERLIN, Wis. -- A drop of prevention is worth a gallon of cure. Know your flood risk. Ask your agent if you are covered for sewer back up and sump pump overflow, two hazards which are not covered by the National Flood Insurance Program (NFIP) but can be included as riders through your homeowner’s policy.

Homeowner’s insurance does not cover overland flooding, the number one natural disaster that can even impact people who live miles away from water. In fact, between 20 and 25 percent of all national flood insurance claims come from outside high flood risk areas.

While homeowners might think there is no room in their budget for residential flood insurance, the average policy costs $570 per year, and in low-moderate risk areas plans start at $119 per year. Plans can often be purchased through an individual’s current insurance agent or are available through the National Flood Insurance Program for people living in participating communities.

To learn how to locate a local NFIP agent, call 1-888-435-6637. To assess your flood risk or to determine if you live in a participating community, visit: FloodSmart.gov.

FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Updated: 
July 16, 2012 - 18:46
State/Tribal Government or Region: 
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