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What does flood insurance cover?

Flood insurance is typically an optional coverage that can help protect your home against damage caused by flooding. However, in some cases, your mortgage provider may mandate that you carry it.


Most people think you only need this coverage when you live near water, but you don’t have to have a home along the coast or near a river to need it. Even areas considered at lower risk can be vulnerable to flooding due to many other conditions that can cause it, like poor drainage systems, rapid rainfall accumulations, seasonal snow-melting or even construction run-offs.

Consider flood insurance to protect your home if:

You live in a cold climate where the ground freezes and snow accumulates. In settings like this, the ground closest to your house thaws first and melted snow can saturate the unfrozen ground nearby and spill into your basement.​

You’re at risk for wildfires. These disasters can scorch the land around your home and destroy all vegetation. In the year following, the lack of vegetation can lead to flash flooding and mudflows during rainy seasons which can ruin your home.

The area you’re living in experiences long cold spells that cause rivers to freeze. If the water level rises or a thaw breaks the ice into big chunks, those chunks of ice could end up creating a dam, resulting in flooding.

Does homeowners insurance cover flood damage?

Most homeowners insurance policies don’t cover flood damage. Even though this essential extra layer of protection is optional, it’s still important and can be purchased as an additional coverage.


Plans offered by MIAFS feature specialists ready to answer your questions and provide you with a fast, personalized quote. If you choose to purchase flood insurance coverage through this program, you can rely on our highly rated customer service team to support your flood insurance policy needs.

With MIAFS, you have options

As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your insurance needs.

We're not bound to a single insurance carrier, we represent you and your specific needs. 

Our team of in-house specialists are experts at helping our clients find the right insurance coverage. They’ll help you get a quote with the best coverage for your specific needs..

Flood Insurance

Get a flood insurance quote
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Or call 866-921-6095

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