Farmers^® Flood Insurance

You don’t have to live near a body of water to be at risk for flooding — it can happen anywhere it rains. Even historically dry areas have been known to flood without warning. So it may not be a matter of whether you need flood insurance, but how much and what kind.

Ask your local Farmers® agent to run a “flood zone determination” on your property. The federal government’s National Flood Insurance Program (NFIP) has established two types of zones:

High risk: Homes in these areas are more likely to be damaged by flood. The government requires homeowners to have flood coverage when they have loans from federally regulated or insured lenders.
Low-to-moderate risk: Flood insurance isn’t required in these areas, but that doesn’t mean it isn’t desirable. Low-to-moderate risk zones account for 25% of all flood insurance claims, and receive one-third of federal disaster assistance for flooding.

There are two basic kinds of flood insurance policies:

Covers properties in high-risk zones, as determined by the NFIP.

Provides coverage in low-to-moderate risk zones at a reduced cost.

Coverage limits are based on the value of the building and its contents, subject to limits established by the NFIP:

Property type	Building	Contents
Property type	Residential	Building	$250,000	Contents	$100,000
Property type	Nonresidential/commercial	Building	$500,000	Contents	$500,000

Flood insurance covers direct physical loss to your building and its contents caused by flooding

Building property coverage includes:

Building and foundation
Electrical and plumbing systems
Central air conditioning equipment, furnaces, and water heaters
Refrigerators, stoves and built-in appliances such as dishwashers
Permanently installed carpeting over unfinished flooring
Permanently installed paneling, wallboard, bookcases and cabinets
Window blinds
Detached garages, up to 10% of building property coverage

Contents coverage includes:

Personal belongings, such as clothing, furniture and electronic equipment
Curtains
Portable air conditioners
Portable microwave ovens and portable dishwashers
Carpets not permanently installed over unfinished flooring
Washers and dryers
Freezers and food contents
Valuable items such as original artwork and furs, up to $2,500
Replacement cost coverage is not available for personal property

Other coverages include:

Debris removal at federal minimum wage, not subject to deductible
Loss avoidance measures, $1,000 limit, no deductible
Increased cost of compliance — flood-proofing, relocation, elevation and demolition, subject to limitations and qualifying criteria

Getting Flood insurance

Flood insurance is available in all 50 states to communities that participate in the National Flood Insurance Program. Your Farmers agent can provide full details on your eligibility and coverage options.

Talk to a Farmers® agent about insurance for your home.

Learn about all the options and potential discounts so you can choose the coverage you want. Find an agent

Francis Barra lived in Far Rockaway, New York, when Hurricane Sandy struck.

"We had all the stuff you can't replace in the basement: photos, books, marathon medals," he says. "In 15 minutes, water filled the basement to the ceiling."

Read the story: Genius Ideas for Disaster-Proofing Heirlooms and Mementos in Your Home

"Lets get you started on a quote, all we need is your zipcode."

Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.

Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).

Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139^th Ave. SE, Ste. 300 Bellevue, WA 98005 (CA#: 0378-0). Farmers New World Life is not licensed and does not solicit or sell in the state of New York.

Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CA 91361. Member FINRA & SIPC

Each insurer has sole financial responsibility for its own insurance. List of all insurers at farmers.com. Not all insurers are authorized in all states. Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply. See agent for details.