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Yes, renters can buy flood insurance

Release date: 
August 22, 2019
Release Number: 

Austin, TexasFlood insurance isn’t just for homeowners and businesses. If you are a renter, you can get a policy from the National Flood Insurance Program (NFIP) to cover your belongings, including clothes, furniture and electronics.


Flood insurance for renters covers your personal property during a flood while a traditional renters policy does not. The cost of the policy is based on several factors including the building’s flood risk.


If you are a renter in low-to-moderate risk areas, you may be eligible for a Preferred Risk Policy. These policy premiums are the lowest premiums available through NFIP. Nearly 26% of all NFIP flood claims occur in the low-to-moderate risk areas.


If you live in an area that is in a special flood hazard area or floodplain, standard rated policies are available. Ask an insurance agent to give you a quote for maximum coverage and lower levels of coverage to find a level of coverage you can afford.


Renters flood insurance premiums are calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • The location of your contents
  • The flood risk (i.e. flood zone)
  • The location of the lowest floor in relation to the elevation requirement on the flood map (in newer buildings only)
  • The deductible you choose and the amount of coverage

For more information about an NFIP policy, call 800-427-4661 or your insurance agent and visit


For further information on the Texas recovery, visit the South Texas disaster web page at, the FEMA Region 6 Twitter account at or the Texas Division of Emergency Management website at


Last Updated: 
August 29, 2019 - 12:54