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What does flood insurance cover?

Coverage offered by polices through the National Flood Insurance Program (NFIP) includes direct physical losses to your structure and your belongings.

The NFIP has two different types of coverage; building coverage and contents converage. These coverage types are exactly what they sound like. 

Building Coverage protects:Contents Coverage protects:
  • Electrical and plumbing systems
  • Furnaces and water heaters
  • Refrigerators, cooking stoves, and built-in appliances like dishwashers
  • Permanently installed carpeting
  • Permanently installed cabinets, paneling, and bookcases
  • Window blinds
  • Foundation walls, anchorage systems, and staircases.
  • Detached garages
  • Fuel tanks, well water tanks and pumps, and solar energy equipment
  • Personal belongings such as clothing, furniture, and electronic equipment
  • Curtains
  • Washer and dryer
  • Portable and window air conditioners
  • Microwave oven
  • Carpets not included in building coverage (e.g., carpet installed over wood floors)
  • Valuable items such as original artwork and furs (up to $2,500)

If you're using a flood insurance provider outside of the NFIP, please consult your policy and/or contact your insurance broker for more detail on your coverage.

Updated April 8, 2020