Flood Insurance
Stay prepared for water and moisture damage wherever you live. Protect your home, belongings and peace of mind with coverage that typical homeowners policies don’t offer.
Why do you need coverage?
- Floods can strike any home, not just those near water
- Federal disaster aid rarely covers full repair costs
- One inch of water can cause $25,000 in damage
- Floods can occur suddenly at any time of year
What does our coverage do?
- Covers your home and any detached structures
- Helps repair structural and foundation damage
- Covers walls, flooring and built-in systems
- Reimburses you for lost furniture and personal items
Protect your property and your belongings.
Even if you don’t live near water, heavy rain or poor drainage can cause major losses. Be prepared with our coverage so you can start your recovery right away.
Rising water and flash floods
Heavy rain or rapid snowmelt can send water surging into homes, damaging walls, flooring and belongings.
Storm surges and coastal flooding
High tides and severe storms can push seawater inland, flooding coastal properties and causing major repair costs.
Poor drainage and runoff
When drains are blocked or sewers are backed up, your home can become flooded and your belongings can be ruined.
Numbers to know
Coverage gap
90%
of U.S. homeowners are uninsured or underinsured for flood damage. (NPR, 2025)
Flash flood increase
70%
rise in flash flooding compared to the 10-year average. (AccuWeather, 2025)
Cost of damages
$25K
in losses can result from just one inch of floodwater. (Flood Risk America, 2024)
Our flood insurance options include
Building Property
For repairs to your home and any detached structures.
Personal Property
In the event of loss or damage affecting the contents of your home.
Frequently asked questions about flood insurance
A flood is generally defined as an excess of water on land that is usually dry and affecting two or more acres or properties. An insurance agent can give you a more detailed explanation and also describe situations in which flood insurance would not cover a loss you incur, such as if a tree or other object falls on your roof during a storm and you experience water damage as a result. That would be covered by a homeowners policy.
Flood insurance is in effect year-round to protect your residential property and its contents. Federal disaster assistance, on the other hand, is subject to a presidential declaration. You must also register and be eligible for various types of loans and grants that are available. If you receive a loan, it must be repaid. In addition, disaster assistance is only intended to make a home “safe, sanitary and fit to occupy.” That’s not the same as restoring it to pre-disaster condition.
The Federal Emergency Management Agency (FEMA) Flood Map Service Center is an official public source you can consult to better understand your community’s risk of flooding. You can also speak to your insurance agent, who usually has access to flood maps or a flood zone determination service.
Your premium will depend on factors such as where you live, the age and type of your home, the coverage you need and your deductible, but nationwide the average cost of a policy is about $900 per year. Your Highstreet insurance agent can give you a quote and answer any of your questions about appropriate coverage for your needs.
