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:
Covers properties in high-risk zones, as determined by the NFIP.
Provides coverage in low-to-moderate risk zones at a reduced cost.
Building property coverage includes:
Contents coverage includes:
Other coverages include:
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.
Learn about all the options and potential discounts so you can choose the coverage you want. Find an agent
"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."