Flood Insurance

Home insurance typically does not cover flooding. But you can protect yourself from costly losses with a separate flood insurance policy that provides coverage for your home and your belongings.

Flood insurance is a separate policy you can buy in addition to your homeowners, renters or condo insurance. It’s a kind of catastrophe insurance. Typically, home insurance policies do not cover flooding from rain, overflowing rivers and other water that enters your home from outside. Because flooding is such a costly risk, the National Flood Insurance Program (NFIP), part of FEMA, underwrites most flood insurance in the U.S. and collaborates with private insurers, including Farmers®, through its Write Your Own (WYO) Program.

Do I need Flood Insurance?
You don’t have to live on the coast or near a river to be hit by flooding. Floods can happen just about anywhere it rains. In the last 5 years, insured Texas properties have suffered over $368.7 million of flood damage, with over 12,000 claims filed.