What is flood insurance? Your guide to coverage, costs, and how to buy.
Key takeaways
- Personal Finance / Insurance Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations.
- It’s not always necessary, but it’s worth considering if you live in an area where it could flood.
- Flood insurance is a type of property coverage that can protect your home and belongings from flood-related water damage.
Personal Finance / Insurance Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
What is flood insurance? Your guide to coverage, costs, and how to buy. Ben Walker (CEPF, CFEI®) · Senior Writer, Credit Cards Mon, June 1, 2026 at 11:50 PM GMT+7 8 min read Flood insurance is typically a separate policy from your homeowners insurance that specifically protects your property from flood-related events. It’s not always necessary, but it’s worth considering if you live in an area where it could flood.
Flood insurance is a type of property coverage that can protect your home and belongings from flood-related water damage. Potential flooding situations could include: