Flood Insurance

Call us today to protect your home from flood damage

Call 1-800-283-6033 or contact a local agent

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.
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What you should know

About flood insurance

  • A homeowners policy does not protect against loss or damage from a flood.
  • 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.
  • Only a few inches of water is all it takes to cause major damage to your property

How to prevent flood damage

  • Install backflow valves or standpipes.
  • Landscape with native plants and vegetation that resist soil erosion.
  • Maintain a sump pump system if you have below-grade floors.
  • Install flood shields or built-up barriers for basement windows and doors.
  • Raise your washer and dryer, water heater, oil tank, furnace or any electrical wiring on concrete blocks, above the base flood elevation.

Flood insurance FAQs

Is flood insurance expensive?

Flood insurance is affordable, and less than you might expect. Contact your Liberty Mutual representative who can provide you with a no-obligation rate quote. You can also visit FEMA's website for a chart of estimated premiums and additional information.

How quickly does my policy go into effect?

There is usually a 30-day waiting period before a flood insurance policy can become effective.

1Note: Information provided by the Federal Emergency Management Agency (FEMA) and the Institute for Business & Home Safety (IBHS) brochure, Protect Your Home Against Flood Damage.