How Do I Get Flood Insurance?

(Get answers and all the help you need from an expert.)
Written by Ashley Surinak
Written by Ashley Surinak

Insurance doesn’t have to be boring. That’s why we hired Ashley Surinak to be our BA insurance writer. Ashley specializes in making mundane subjects hella-entertaining.

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Q: How to Buy Flood Insurance?

A: Flood insurance is available through two sources: 

  • Federal government: The federal government was originally the only source for flood insurance. You can still purchase flood insurance through the National Flood Insurance Program (NFIP). 
  • Private insurers: Private insurers now offer flood coverage in a number of states. This means that you don't have to go through the federal government for coverage if you don't want to. 

No matter which route you go for your flood insurance coverage, you have to purchase your insurance through an agent. This means you couldn't work with the federal government directly for coverage, even if you wanted to. The best way to get covered is to speak to your independent insurance agent for a range of flood insurance coverage options.

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