Understanding Flood Insurance

All you need to know about flood insurance, including what it covers and who should purchase it

Flooding is the most common and costly type of natural disaster in the U.S. Just an inch of water in an average sized home can cause more than $25,000 in damage, and the average cost of flood damage is almost $40,000. Despite this, most homeowners and renters insurance doesn’t cover flooding. That’s why it’s more important than ever to understand and consider buying flood insurance.

What does flood insurance cover and how much does it cost?

Is flood insurance different from federal disaster assistance?

Should I get flood insurance?

How do I determine if I’m in a risk zone and need flood insurance?

Find out your FEMA zone

Find out your property risk

How can I lower my flood insurance premiums?

First Street Foundation is a registered 501(c)(3) public charity that works to quantify and communicate the impacts of sea level rise and flooding


First Street Foundation is a 501(c)(3) nonprofit working to define America’s flood risk.