Flood Insurance Explained: What Homeowners Must Know in 2025

Does Homeowners Insurance Cover Floods? The Truth About Flood Insurance 🌊🏠

Most homeowners don’t realize their standard policy does not cover the most common and costly natural disaster in the U.S.—floods. One storm, heavy rain, or even a burst water main could cost you tens of thousands of dollars. In this video, we break down the essentials of flood insurance so you know what’s really covered—and what isn’t.

✔️ Why flood insurance matters (even outside high-risk zones)
✔️ What FEMA & NFIP define as a “flood”
✔️ What NFIP flood insurance covers (structure + contents)
✔️ Average costs & how premiums are calculated
✔️ NFIP vs. Private Flood Insurance—what’s the difference?
✔️ Key steps to protect your home & avoid financial disaster

💡 Don’t wait until a storm is in the forecast—flood insurance has a 30-day waiting period. The time to act is now.