Home » What Does Flood Insurance Cover?
February 7, 2023
Blue Granite Insurance

What Does Flood Insurance Cover?

Floods can happen anywhere. According to the Federal Emergency Management Agency, a single inch of floodwater can cause up to $25,000 of home damage. Flood insurance can help protect you from costly out-of-pocket expenses if flooding causes damage to your property.

Contact Blue Granite Insurance in Mount Pleasant, to learn more about our flood insurance coverage.

Does Homeowners Insurance Cover Flood Damage?

Most standard homeowners insurance policies will not cover flood damages. Flood insurance is usually required for mortgage-backed properties if you live in a high-risk flood zone.

However, not all flooding occurs in designated high-risk flood zones, so finding the right flood insurance can be essential to protect your property even if you live in a low- or moderate-risk area.

To understand your flood risk, visit FEMA’s flood map page or ask your insurance agent for more information.

What Does Flood Insurance Cover?

Flood insurance can help protect you from home damages resulting from flooding. Although individual policies may vary, your flood insurance policy will generally contain the following two types of coverage:

  • Contents coverage can help pay for damage to your personal belongings from flooding. Here are some items that may be covered under this policy:
    • Clothing, electronics, furniture
    • Washer and dryer
    • Carpets
    • Curtains
    • Air conditioners
  • Structures coverage can help pay for damage to structural aspects of your home and other structures damaged by floods. The following item examples may be included with this coverage:
    • Large appliances (stove, refrigerator)
    • Plumbing and electrical systems
    • Detached garages, fences and other structures
    • Permanently installed cabinetry or carpeting
    • Foundation walls, staircases and anchorage systems

Where Can I Get Flood Insurance?

We’re here to help you find the flood protection you deserve. Contact Blue Granite Insurance to learn more about our flood insurance coverage and to speak to an insurance agent.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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