Flood Insurance

Protect yourself from flood damage

two people assessing flood damage
You don't need to live near the water to be at risk for flood damage
Flood damage can be unforgiving. Only a few inches of water is all it takes to cause major damage to your property. According to the National Flood Insurance Program (NFIP), nearly 20% of flood insurance claims come from moderate to low-risk areas of the country, meaning there are far more people at risk than you might think.

It's important to know that a homeowners policy does not protect against loss or damage from a flood. Due to the nature of flood damage, flood insurance requires a separate policy.

Flood Insurance partnership with the NFIP
Liberty Mutual is part of the WYO (Write Your Own) Program under the Federal Emergency Management Agency (FEMA) in all 50 states, in over 21,000 communities. Our participation in this program allows us to provide and serve NFIP policies that can keep you protected from costly damage.

Talk to the Liberty Mutual Flood Insurance team today:

Call 1-800-283-6033
Things you can do now to protect your home from potential flood damage:
  • Use water-resistant building materials.
  • Leave the basement or lower floors unfinished.
  • Prevent sewer lines from backing up — install backflow valves or standpipes.
  • Raise your washer and dryer, water heater, oil tank, furnace or any electrical wiring on concrete blocks, above the base flood elevation (BFE). If you can't raise these items, consider protecting them with a floodwall or shield.
  • Install flood shields or built-up barriers for basement windows and doors. The tops of the shields and barriers should extend above the BFE.
  • Install and maintain a sump pump system if you have below-grade floors.
  • Landscape with native plants and vegetation that resist soil erosion.
Learn more about why you might need flood insurance

Common questions about flood insurance
Note: Information provided by the Federal Emergency Management Agency (FEMA) and the Institute for Business & Home Safety (IBHS) brochure, Protect Your Home Against Flood Damage. View the Federal Emergency Management Agency's (FEMA) website.