Temporary housing and additional living expenses incurred while the building is being repaired or is unable to be occupied Additional living expenses are also not covered if your home is uninhabitable.īelow is a more comprehensive list of items not covered by flood insurance according to the NFIP.

There are some items that flood insurance may not cover, including retaining walls and decks, swimming pools, paper currency and other valuable documents. Get a Quote For Flood Insurance Today! What Isn't Covered by Flood Insurance? And keep in mind that flood damage is not something covered by homeowner's insurance. Valuable items such as original artwork and furs (up to $2,500)Īlways be sure to check with your insurance provider and make sure you know what your policy covers. Personal belongings such as clothing, furniture and electronic equipmentĬarpets not included in building coverage (e.g., carpet installed over wood floors) Permanently installed cabinets, paneling and bookcasesįoundation walls, anchorage systems and staircases.įuel tanks, well water tanks and pumps and solar energy equipmentįlood insurance can cover damage to your home's structure as well as personal property during a flood event. Refrigerators, cooking stoves and built-in appliances like dishwashers Below is a breakdown of coverage between these two types as per the NFIP. The NFIP states coverage is divided into two types building coverage and contents coverage. Here is a breakdown of states with the lowest average cost by flood zone.įlood insurance can cover damage to your home's structure as well as personal property during a flood event. Private insurance rates are cheaper and the coverage is more comprehensive. Low-risk flood zones are marked on flood maps with the letter X. High-risk zones are marked with an A or V on a flood map.

Here is a breakdown of states with the highest average cost by flood zone. Below are two maps showing the annual premium averages for both high-risk and low-risk zones throughout the country. The average cost of flood insurance varies by state and flood zone. The Average Cost of Flood Insurance by State

Flood insurance rates