Many people underestimate the potential for flooding. When a heavy rain storm or hurricane hits, floods can cause severe damage. Rising and pooling water that leads to flooding doesn’t only happen near rivers, lakes, and wetlands; it can happen even in low-risk areas due to clogged storm drains, high volumes of rain, and other causes.
Let’s discuss why flood insurance could be a good investment for you.
The lack of frequency of flooding can make it easier for some to rationalize why they might not need flood protection since it’s not that common. However, it doesn’t mean that it can’t happen, which is why you need protection.
Did you know that:
- Home owners are 5 times more likely to sustain a loss from a flood than a fire?
- 25% of all flood insurance claims are filed in low- to moderate-risk areas?
Here are some common questions that we get about flood insurance:
Q. Does my homeowners, condo, or renters policy cover floods?
A. No. Flood insurance is specifically excluded from these policies. You must purchase separate flood insurance. Flood insurance coverage is limited. Often, the amount you can purchase is less than the amount you have purchased under your home insurance. However, in a flood situation, some coverage is better than no coverage.
Q. What does flood insurance cover?
A. It covers physical damage to your property and possessions. However, the coverage is more limited than the protection provided under your homeowners policy, so it’s essential to understand the differences. Read the National Flood Insurance Program Summary of Coverage for more information.
Q. How much does flood insurance cost?
A. The cost of coverage is controlled by the National Flood Insurance Program (NFIP) implemented by FEMA. The premium cost will vary depending on your property location and structure. It also depends on the flood zone based on federal flood maps and several other factors. If you live in a low-to-moderate risk area, you can receive preferred rates. Your premium will also be lower if you choose a higher deductible. Rates are set by the NFIP and are the same regardless of where you purchase insurance.
For additional details, review our flood insurance page.
The NFIP website, www.floodsmart.gov, also provides a wealth of information. If you don’t have flood insurance but believe you have potential flood risks at your property, even if low, it’s worth taking the time to learn more and get a flood insurance quote. You may be surprised at how affordable it can be.
https://www.dfmurphy.com/wp-content/uploads/What-to-Do-When-Your-Home-Insurance-Company-Requires-Repairs.jpg
629
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-06-16 07:00:042026-06-11 02:34:53O Que Fazer Quando a Sua Seguradora Exige Reparos
https://www.dfmurphy.com/wp-content/uploads/Swimming-Pool-Safety-Homeowners-Manual-Blog-Series-2.jpg
628
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-06-11 01:20:412026-06-11 01:42:14Segurança de Piscina | Blog Manual do Proprietário
https://www.dfmurphy.com/wp-content/uploads/Untitled-design-129.jpg
628
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-06-02 07:00:592026-05-19 08:50:13Seguro Residencial: Custo de Reconstrução vs. Valor de Mercado, Por que Isso Importa
https://www.dfmurphy.com/wp-content/uploads/HVAC-System-Care-Energy-Efficiency-Homeowners-Manual-Blog-Series.jpg
628
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-05-28 07:00:422026-05-20 15:38:42Cuidados com o Sistema de HVAC e Eficiência Energética | Série de Blogs do Manual do Proprietário
https://www.dfmurphy.com/wp-content/uploads/Apartments-scaled.jpg
1340
2560
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-05-26 07:17:232026-05-21 12:57:39Mitos Comuns sobre Seguro para Inquilinos, Desmistificados para Inquilinos de Massachusetts
https://www.dfmurphy.com/wp-content/uploads/Person-holding-car-keys-scaled.jpg
1340
2560
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-05-20 07:00:042026-05-21 13:14:40O que é Cobertura Abrangente em Seguro Automotivo e o que Ela Cobre?
https://www.dfmurphy.com/wp-content/uploads/Extension-Cord-1200.jpg
628
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-05-13 08:00:222026-05-17 12:03:31Mantenha-se Conectado à Segurança Elétrica Neste Maio
https://www.dfmurphy.com/wp-content/uploads/Hurricane-Season-in-New-England-What-Homeowners-Need-to-Know-to-Stay-Protected.jpg
628
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-05-07 09:00:162026-05-17 12:04:28Temporada de Furacões na Nova Inglaterra: O Que os Proprietários Precisam Saber para Ficar Protegidos
https://www.dfmurphy.com/wp-content/uploads/Motorcyclist-Cord-1200.jpg
628
1200
Murphy Insurance
https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg
Murphy Insurance2026-05-05 13:35:062026-05-17 12:17:25Mantenha-se Seguro com o Mês de Conscientização sobre Segurança de MotocicletasVisit Our Personal Insurance Page
Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.
