Standard homeowners insurance doesn't cover floods — and Utah's flash flooding risk is higher than most people think. Flood insurance protects your home and belongings from water damage that your regular policy excludes.
Flood insurance covers damage caused by the overflow of inland waters, storm surge, and surface water runoff — events your homeowners policy specifically excludes.
Covers structural damage to your home's foundation, walls, floors, electrical and plumbing systems.
Protects personal belongings — furniture, electronics, appliances, clothing.
Covers essential items in basements including furnaces, water heaters, and washer/dryers.
Pays for clearing flood-related debris from your property.
Covers the cost of bringing your home up to current building codes after a flood.
Some private flood policies cover temporary housing while your home is repaired.
If your property is in a flood zone, your mortgage lender requires it. But even outside designated zones, over 25% of flood claims come from 'low-risk' areas.
NFIP policies average $500–$1,500/year depending on your flood zone, property elevation, and coverage amount. Private flood policies may be competitive, especially for higher limits.
No. Standard homeowners policies specifically exclude flood damage. You need a separate flood policy.
Consider it. Over 25% of flood claims come from areas outside designated flood zones. In Utah, flash flooding can happen anywhere with hard soil and steep terrain.
NFIP policies have a 30-day waiting period before coverage takes effect. Plan ahead — you can't buy flood insurance when a storm is approaching.
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