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NFIP vs private flood insurance compared. Real costs, coverage gaps, and the truth about why your homeowners policy won't help when water rises.
Only 4% of US homeowners carry flood insurance. 25% of all claims come from low-risk zones. One inch of water = $25,000 in damage.
Federal flood program. Caps at $250K building / $100K contents. 30-day waiting period.
Higher coverage limits ($5M+), faster claims, often cheaper in lower-risk zones.
Average cost to repair flood damage from just 1 inch of water in your home.
Side-by-side comparison: coverage limits, waiting periods, claim speed, and which is right for you.
Real 2026 prices by zone, state, and coverage level. Risk Rating 2.0 explained.
Use our risk checker. 25% of claims come from low-risk zones — find out if you're vulnerable.
FEMA flood zones decoded. Find your zone and what it means for your premium.
State-by-state coverage, head-to-head provider comparisons, and the 2026 hurricane prep guide.