Most Homeowners Insurance Doesn’t Cover Flood Damage
Auto & Home
Consider separate coverage for floods.
Of all the forces of nature, flooding is one of the most damaging, but floods are not covered by standard Homeowners insurance.
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Not only can flooding damage your appliances and belongings, but floods can trigger mold, destroy flooring, cause wood rot, and so much more. Remediation and repairs for each of these can be cost prohibitive.
Flood insurance can cover your home, the contents in your home, or both, so it can be a financial life saver.
According to FEMA, every state has experienced floods. In the past 20 year, 99% of counties have experienced a flood event, and over 29% of flood claims come from moderate-to-low risk regions.2 Even if you don’t think your area is prone to flooding, you might want to consider securing flood insurance.
The Texas floods in 2025—the 10th most deadly flood in U.S. history—wiped out thousands of homes and businesses. Overall, the flood caused nearly $22 billion in total damage. Unfortunately, most homeowners and business owners didn’t have flood insurance; reports indicate that just 3% of those affected had coverage.3
It’s important to protect your most important financial assets — your home and your possessions. So, before you face the next major storm, be sure to speak with an agent about your flood insurance options.
1Rumor: A little water wouldn’t cause much damage. FEMA. www.fema.gov/node/rumor-little-water-damage, Last updated February 14, 2025.
2What’s Your Flood Risk? FEMA. www.floodsmart.gov/flood-zones-and-maps/what-is-my-flood-risk, Retrieved January 13, 2026.
3 Underwater and Uninsured: How the Insurance Crisis Exacerbated July 4th’s Texas Disaster. Insurance Fairness Project. October 8, 2025.
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