Storm and Flood Insurance: What Homeowners Need to Know

Late summer often brings strong storms, heavy rain, and even hurricanes in some parts of the country.

If you’re a homeowner, it’s important to know what your insurance policy does—and doesn’t—cover before storm season peaks. Many people assume they’re fully protected, only to find out too late that they need separate flood insurance or additional wind coverage.

Here’s what you should know about storm and flood insurance and how to prepare.

Does Homeowners Insurance Cover Flood Damage?

• Most homeowners insurance policies do not cover flood damage
• Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer
• Flooding caused by rising water, storm surge, or heavy rain is excluded from most standard policies
• If you live in a high-risk area, your lender may require you to carry flood insurance

What About Wind and Hail Damage?

• Wind and hail damage are usually covered by homeowners insurance
• Some policies have separate deductibles for windstorms or hurricanes, especially in coastal states
• If your area is prone to severe storms, review the limits and exclusions on your wind coverage
• Damage caused by fallen trees or flying debris is typically covered, but cleanup costs may not be

What If I Rent or Own a Condo?

• Renters should make sure their policy covers damage to personal belongings caused by wind or water intrusion
• Condo owners should check both their personal condo policy and the association’s master policy to identify gaps
• Flood insurance is available for renters and condo owners, not just homeowners

Steps to Review Your Policy Before Storm Season

• Contact your insurance agent to request a full policy review
• Ask about exclusions, deductibles, and limitations related to wind and water damage
• Discuss whether flood insurance is recommended for your location
• Consider scheduling an annual insurance checkup every summer

Tips to Reduce Risk and Protect Your Property

• Clean gutters and downspouts to reduce water buildup
• Trim trees and remove dead branches
• Install a sump pump or water sensor in basements or crawl spaces
• Take an inventory of personal property in case you need to file a claim later

Need Help Understanding Your Coverage?

Storms can move fast—but a quick conversation with your insurance agent can help you stay one step ahead. Whether you need to add flood insurance, adjust your deductibles, or simply understand your policy better, now’s the time to act.

Have questions? Contact your local independent insurance agent to get ready before the next storm rolls in.