Understanding How Home Insurance and Flood Insurance are Different

flood insurance Florida
flood insurance Florida

Even if you don’t live in an area that’s prone to flooding, you should still look into getting flood insurance in Florida. Just because you have homeowners insurance doesn’t mean that you automatically have flood insurance since the two are separate. Should the area in which you live ever experience heavy rains, there’s a good chance that your home could become flooded.

Flood Insurance

Flood insurance is provided by the National Flood Insurance Program. Water damage is more than likely included with your homeowners insurance policy, but flood damage is not. Examples of flood damage include:

  • A nearby river that overflows and sweeps into your home
  • The surface water from heavy rains flowing into your basement
  • Flash floods or torrential rains that cause a hill to collapse behind your home into a mud slide.


There is no other type of insurance plan that will take care of flood damage besides flood insurance.

Homeowners Insurance

Homeowners insurance policies take care of any water damage that your home sustains. Examples of water damage are:

  • A hailstorm that breaks windows in your home and allows rain and hair to pour into your home
  • Torrential rains that soak through your roof and into your attic and ceiling
  • Broken water pipes that pour water into your home

Talk with a representative of the National Flood Insurance Program about your options for flood insurance in Florida.