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Flood Insurance

Get customized flood insurance that goes where you go

call or contact an agent to start your flood insurance quote
Or call us at 1-844-237-5603

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.

Do I need flood insurance?

  • 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.

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.

Looking for some advice? We can help.

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Disaster preparation

What you need in a home 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.