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Flood Insurance

Floods Are The #1 Natural Disaster In The U.S.1

You don't have to live in a high-risk flood zone to be affected by a flood. Floods and flash floods can occur anywhere, even in the desert. Just an inch of water can cause damage to your property. In fact, in the U.S., flood-related losses cost people more than a billion dollars a year1.

man standing in wader boots in front of house.

Flood Protection: Elevate Your Awareness.

Flooding may be localized or catastrophic. Many floods arrive with advance warning so you can prepare.

Read article

20 days to ready.

If a hurricane, a wildfire or other natural disaster threatened, and officials told you to evacuate, would you know where to go?

Read article
worker standing in front of levee.

Hear FEMA officials and their partners discuss the unique risks associated with levees.

Watch video
house in hurricane.

See one person's story of the destruction caused by Hurricane Irene.

Watch video
homes and street underwater.

See the same flood from two different perspectives—from someone with flood insurance and someone without.

Read article


What Is Flood Insurance?

Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have homeowners, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Get an NFIP flood insurance quote from Allstate today!

How Much Does Flood Insurance Cost?

The National Flood Insurance Program (NFIP) provides two types of flood insurance coverage:

  • One that covers your actual home (building property) up to $250,000
  • One that covers your personal property up to $100,000

Talk to an Allstate agent for a flood insurance quote.

Learn more about flood coverage options.

Why NFIP Flood insurance — The Benefits*

Though the government determines flood insurance coverage and premiums, you can still purchase your NFIP flood policy through Allstate*—even if you don't have an existing property policy with us. So why choose Allstate for flood insurance? Because it gives you access to invaluable features and benefits, like:

  • 24/7 nationwide claims support and assistance
  • A dedicated agent who can help you understand your flood coverage
  • Assistance finding discounts to help you maximize your savings

Fast Facts About Flood Insurance Claims And Coverage.

Understanding your flood risk and what flood insurance typically protects can help you choose coverage that meets your needs. Here are some facts you should know:

  • The average flood loss is $45,0002.
  • Nearly 25 percent of all flood insurance claims come from areas not considered high risk1.
  • There is a waiting period before your flood insurance policy goes into effect, typically 30 days from the application and premium payment date2.
  • If flood insurance is required for your mortgage loan, you may not have to wait 30 days. Usually, the loan closing date will be the effective date3.
  • Flood insurance can help protect you even if a federal disaster isn't declared.
  • Less than 50 percent of all flooding incidents are awarded a Federal Disaster Assistance declaration4, and most disaster assistance is provided in the form of a loan that must be repaid with interest5.

Protect Against Other Types Of Water Damage.

Most flood insurance policies and basic property insurance policies do not cover water backup damage. This type of damage is typically caused by water that overflows from a sump pump or backs up through sewers or drains.

Talk to an Allstate agent about the benefits of adding water backup coverage to your property policy.

1https://www.floodsmart.gov/floodsmart/pages/media_resources/stats.jsp
2https://www.floodsmart.gov/floodsmart/pages/residential_coverage/rc_overview.jsp
3https://www.floodsmart.gov/floodsmart/pages/choose_your_policy/understanding_the_basics.jsp
4http://www.washingtonpost.com/business/economy/homeowners-may-learn-limits-of-their-insurance/2012/10/29/2dac842a-21f9-11e2-ac85-e669876c6a24_story.html
5https://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/map_changes_flood.jsp


*Subject to National Flood Insurance Program terms, conditions and availability. The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like Allstate through the Write Your Own (WYO) Program. © 2017 Allstate Insurance Company, Northbrook, IL.

Excess Flood Insurance coverage may currently be available in your state. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact your local Allstate agent to find out whether Flood Insurance coverage is available in your area.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

Flood insurance available from the National Flood Insurance Program (NFIP).
ECC Monitor: OK