Flood Insurance

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Armed Forces Insurance can save you time and money on your flood insurance, even if you’re not in the military

Flooding can strike anywhere, and rising water doesn’t spare Americans who don’t serve in the military. Nearly half of flood insurance claims occur outside of flood prone areas. And the devastation from flooding washes over service members and the broader community, alike. That’s why Armed Forces Insurance is committed to helping you find the best flood insurance policy for your needs, even if you’re not in the service.

You should know that standard homeowner and renter insurance policies don’t cover damage from groundwater rising and flooding your home. Flood insurance goes beyond standard insurance policy coverages and protects you from more severe water damage.

Active duty, veteran, DoD or VA employee? AFI membership is for you!

Active-duty, veterans, DoD, VA employees and their families are eligible for AFI membership. See why our nation’s military service members have trusted us for their property insurance needs for over 135 years.

What does a flood insurance policy cover?

Flood insurance provides coverage for both the structure of the home and personal property in case of water damage related to flooding.

Flood insurance typically covers:

  • Appliances, including refrigerators, stoves and dishwashers
  • Carpet and flooring (except in basement)
  • Personal property, furniture, clothing, and electronics
  • Electrical and plumbing systems
  • Heating and air conditioning units

What's Not Covered?

  • Damage from sewer line backups or to your sump-pump
  • Vehicles
  • Cash and jewelry up to specified limits
  • Swimming pools, outdoor hot tubs, and patios
  • Landscaping

* This is not an exhaustive list of coverage. Read your policy or speak with an AFI agent to know everything that is covered and isn't.

What about Federal Disaster Assistance?

Federal disaster assistance is only available if the President declares a disaster. Less than 50 percent of all flooding incidents are awarded a Federal Disaster Assistance declaration. If the President declares a Federal Disaster Area, most disaster assistance is provided in the form of a loan that must be repaid - principal plus interest.

When should I buy flood insurance?

It's important to purchase flood insurance before a flood risk occurs. In fact, most flood insurance policies require a 30-day waiting period after purchasing before coverage will be effective.

How much does flood insurance cost?

The cost of flood insurance depends on where you live and your home itself. According to FEMA the average cost for flood insurance in the U.S. is around $700 per year. Considering that the average flood claim payout from the National Flood Insurance Program is around $52,000, it's definitely worth investing in Flood insurance.

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