Flood Insurance

What Flood?

A flood is defined by the NFIP as: A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. The Federal Emergency Management Agency’s Flood Map Service Center will help you locate your area’s flood map

Why Flood?

When you purchase an NFIP flood policy through an Allstate agent, you’re helping protecting yourself from the financial burden flooding can cause. In fact, just one inch of water in a home can cost more than $25,000 in damage. Instead of paying out of pocket or taking out loans to cover your expenses, flood insurance can help make the recovery process quicker, easier and less costly .

What Does flood Insurance Cover?

Flood insurance provides coverage both the structure of the home and personal property if they are damaged in a flood.

These coverage usually have separate limits and deductibles so read the details carefully. You need to make sure you understand what you are purchasing. Our flood insurance counselors are happy to help you. Call us at (800) 841-2964 .

When you purchase both types of flood insurance —Building Property and Personal Property (Contents)—you’re helping protect yourself from a variety of flood-related damages. Here are some of the things each type can help cover.

Building Property Coverage: Provides coverage for the physical structure of your home or non-resident property, including electrical and plumbing systems, refrigerators, window blinds and more

Personal Property (Contents) Coverage: Provides coverage for the items inside your home, like clothing, furniture, microwaves and televisions, at their value at the time of loss


 When it comes to flood damage, Building Property and Personal Property (Contents) policies won’t cover:

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner
  • Currency, precious metals and valuable papers like stock certificates
  • Property and belongings outside of a building like trees, fences and swimming pools
  • Living expenses like temporary housing

Do I need flood insurance?

Many people associate floods with places like Florida, Texas, and California since their borders are on the ocean. But those are not the only areas that need to consider flood insurance.

Even if you don’t live near the coast, there may still be a great risk of flooding. Learn more about Flooding in America to help determine if you need to consider getting a flood insurance quote.

We've got you covered for flood insurance

If your home is in a community that participates in the NFIP you may be eligible for flood insurance at a modest cost through the federal government. This means insurance companies issue flood insurance that’s administered by the federal government.

Why choose GEICO to help you get flood insurance?

Big coverage for a small premium:

  • Backed by the federal government
  • Cover damages not covered by homeowner’s policies
  • Rates tailored to your specific area

When should I buy flood insurance?

Plan ahead and buy flood insurance before a flood risk is approaching. Most flood insurance policies require a 30-day waiting period before the coverage is effective. Exceptions include if you’ve purchased a new home and the closing is in less than 30 days.

How much would it cost to replace your stuff?

Use our personal property calculator to add up the cost of your belongings:

  • Furniture
  • Clothing
  • Electronics
  • Jewelry
  • And other items

Flood insurance is generally available to people in communities that participate in the National Flood Insurance Program (NFIP). Flood insurance policies can be purchased through local insurance agents by homeowners, business owners and renters who want protection for their homes, buildings and belongings. (Landlords can buy separate flood insurance policies to help protect the home.)

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