At Emerge Insurance Agency, we often hear a common concern from homeowners: “My home was flooded — shouldn’t that be covered by flood insurance?” The answer depends on how the water entered your home, and it’s important to understand how the insurance industry defines a “flood.”
What Is a Flood According to Insurance?
In insurance terms, a flood is defined as:
“An excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.”
This typically involves rising water or overflow from bodies of water such as:
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Heavy rainfall causing water to pool and enter your home
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Storm surge or coastal flooding
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Overflow of rivers, lakes, or other bodies of water
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Flash flooding due to blocked drainage systems
This type of damage is not covered under a standard homeowner’s insurance policy. You need a separate flood insurance policy — typically provided through the National Flood Insurance Program (NFIP) or private flood insurers — to protect against this kind of risk.
What Is Not Considered a Flood?
Many people confuse other types of water damage with flood damage. For example:
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A roof leak during a storm
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A burst pipe inside the home
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A backed-up drain or sewer line
These incidents are not considered floods by insurance standards — even if your floors are covered in water. These are generally categorized as sudden and accidental water damage, which may be covered under your homeowner’s policy, depending on the terms and coverage selected.
Why This Matters
If your home is located in a flood-prone area — or even if it’s not — it’s wise to assess your risk. Flooding can happen anywhere, and just one inch of water can cause thousands of dollars in damage.
Emerge Insurance Agency Can Help
If you’re unsure whether your home is properly protected, we’re here to help. Emerge Insurance Agency offers personalized flood insurance quotes through both the NFIP and reputable private insurers. We’ll help you understand:
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What’s covered
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What your home’s flood risk is
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How premiums are calculated
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Your options for better protection
Let’s Make Sure You’re Covered
Don’t wait until after the water rises. Contact our team today and speak with one of our licensed agents. We’re happy to walk you through your flood insurance options and answer any questions you may have.
