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Flood Insurance - Do I Need Flood Insurance?

Most homeowners insurance policies, including those offered by State Farm® do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.

Find an Agent Near You

Or call 844-242-1899844-242-1899 for a quote.

Federal Flood Insurance Coverage

Most flood insurance is written through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA).

A flood insurance policy normally takes 30 days from the date of purchase to go into effect. So don't wait until a flood is imminent to buy a policy.

The National Flood Insurance Program is only available in the United States.

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Disclosures

This information is not a contract and is not a representation of flood insurance coverage available through the National Flood Insurance Program.

Automobile/Recreational Vehicle Coverage: If you carry optional comprehensive coverage on your automobile policy, or if you carry optional physical damage coverage on your recreational vehicle policy, then the direct, sudden damage to your vehicle resulting from a flood would be covered under the terms of most policies.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.