Shopping for a flood insurance quote? You’ll need flood insurance to protect your home if:
- You live in a colder climate where the ground freezes and snow accumulates. The ground closest to your house thaws first. When this happens, melted snow can saturate the unfrozen ground next to your house and then spill into your basement. You need flood insurance.2
- Wildfires scorch the land around your home and destroy all vegetation. The following year, during a rainy season, the lack of vegetation leads to flash floods and mudflows that ruin your part of your home. You’ll need flood insurance.2
- 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 which results in flooding. If you live in the nearby area, you’ll need flood insurance to cover the damage your home may incur.3
Do homeowner’s insurance policies cover flood damage?
Source: The Hartford