Am I in a Flood Zone? Do I need Flood Insurance?

You don't have to live near water to become a flood victim. In fact, everyone lives in a flood zone. It's just a matter of how likely it is that a flood will hit your home. And unfortunately, floods are the most common natural disaster.

Flood zones are rated on a standard used by most federal and state agencies. How likely is it that a flood will hit your home? Use the online to determine the risk level for your home or business.

Find out how much your flood insurance policy would cost by filling out the online Estimated Cost of Coverage.

Did you Know?
Prepare for a Flood - What you need to do, just in case.
During a Flood - Keep safe during a flood by following these tips.
After a Flood - What do you do after your home has been flooded? Follow these tips from the American Red Cross and the Federal Emergency Management Agency.
Flood Glossary - Learn the lingo of floods.

Flood policies provide coverage for direct losses by "flood." A flood is technically defined as "an overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudslides which are proximately caused by flooding."