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Flood Insurance Built for You

  • Affordable flood coverage
  • Expert support for your questions
  • Protect what matters most

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You’ve carefully created that special place called home, filled with all the creature comforts reflecting who you are and what you love. That’s why it’s smart to protect it against floods, which can happen anytime, anywhere — even if you don’t live in a flood zone.

But here’s a surprising fact: Did you know that most homeowners, renters or condo insurance policies don’t provide protection from flood damage?

Not to worry.

American Family conveniently offers flood insurance from the National Flood Insurance Program.  And usually it’s surprisingly affordable – a drop in the bucket compared to how much flood damage could cost. Get started by contacting your American Family agent today.

Why Flood Insurance Matters*

From the rooftop to the basement and almost everything in between, The National Flood Insurance Program offers the flood damage protection you need for your home and possessions.

  • Your home and its foundation
  • Clothes, furniture, electronics and other possessions
  • Your special treasures, like artwork or jewelry (up to $2,500)
  • Electrical and plumbing
  • Heating, venting and air conditioning
  • Appliances
  • Installed carpeting, paneling, bookcases and cabinets
  • Window blinds and curtains

Got Questions? We've Got Answers.



If I already have home insurance, why do I need flood insurance?

Your home insurance policy protects you in many ways! But most policies don’t cover flood damage. Flooding can happen even if you aren’t located near a river, lake or the oceans. A high percentage of flooding occurs in areas around the United States that aren’t near bodies of water. Having flood insurance adds another layer of protection to your home and is great for peace of mind.

I live in a low-risk flood zone. Do I really need flood insurance?

You might be surprised to learn that one fourth of all flood claims occur in low- to moderate-risk areas, according to the National Flood Insurance Program. Flooding can happen almost anywhere, even if there are no lakes, rivers or oceans nearby. It’s a good idea to talk to your American Family agent to help you decide whether to get flood insurance.

How much does flood insurance cost?

Your specific cost for flood insurance largely depends on where you live, your property and other factors based on the Federal Emergency Management Agency (FEMA) standards and risks.

To help put it in perspective, flood insurance costs only a fraction of a typical flood insurance claim — which can cost tens of thousands! Remember, your standard homeowners policy doesn’t cover damage from flooding, so adding flood insurance is an extra layer of protection that can keep you from paying expensive out-of-pocket repair and replacement costs.

Talk to your agent today to get a personalized quote for flood insurance.


If my home is flooded, wouldn't federal disaster assistance pay for my damages?

Not necessarily. For starters, the federal government would have to declare a disaster in the area where your property is located. Next, you would need to apply for assistance. As a rule of thumb, disaster assistance payments typically are small amounts and usually don’t cover all the damage. In many cases, the assistance may come as a loan that you would need to pay back in full.