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Flood Insurance

Protect your home from flood damage


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Flooding in the front yard

Flood Insurance partnership with the National Flood Insurance Program

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.
Wet box with personal items

Do I need flood insurance?

What you should consider:
  • Just one inch of water in an average home can cause more than $25,000 in damage.
  • Flooding can happen anywhere. More than 25% of flood insurance claims come from outside a high-risk flood area.
  • Flooding is the most common and costly natural disaster in the United States.
  • If you suffer a flood, you can seek federal disaster assistance, but it may not be enough to make a full recovery. Most homeowners policies don’t cover food losses, only flood insurance covers the cost of flood damage.
Flood water damaging furniture

What should I know about flood insurance?

  • A homeowners policy does not protect against loss or damage from a flood.
  • With a flood policy from the NFIP, you’re covered up to $250,000 for your home and $100,000 for belongings.
basement impacted by flood water

Looking for some advice? We can help.

Water Damage
empty room with industrial blow dryers
Take these steps if your home has been impacted by water.
Disaster preparation
Flashlights, batteries, and other items for a household safety kit
Having a go bag ready can be a lifesaver in an emergency.

Common flood insurance questions

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.