Flood Insurance in Wisconsin

Experts break down flood insurance costs, coverage, companies, and more in Wisconsin.

Written by Sara East
Written by Sara East

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

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Heavy rainfall has flooded a family out of their rural home in Wisconsin. Find Wisconsin flood insurance.

More than 360,000 homes in Wisconsin have a 26% or greater chance of experiencing flooding in the next 30 years. Flood insurance is not included in your homeowners insurance, which is why you need to purchase additional coverage through a flood insurance policy.

Flood insurance can be purchased a few different ways, so it's easiest to bring in the expertise of a local independent insurance agent. Agents understand the ins and outs of flood insurance and where to shop for flood insurance quotes in Wisconsin. 

What Is Flood Insurance?

Flood insurance covers the structure of your home and your stuff in the event that they're damaged by natural floodwaters. Natural floodwaters include events like rain, raised river beds, overfilled dams, and waves.

Currently, there are more than 13,000 active flood insurance policies protecting citizens across Wisconsin. A policy can be purchased through a private carrier or through the National Flood Insurance Program (NFIP). The NFIP was implemented in 1968 to protect property owners from the financial hardships flood damage can bring to a community. Typically, coverage through the NFIP is more affordable than through a private insurer.

What Does Flood Insurance Cover in Wisconsin?

Flood insurance includes two main types of coverage, building and contents coverage. Between these, you protect the structure of your home and your personal property.

  • Building coverage: Covers walls, windows, plumbing, electrical, and other things that are considered the foundation of your home or structure. The NFIP includes up to $250,000 for building coverage.
  • Contents coverage: Covers the furnishings inside your home including appliances, electronics, and furniture. The NFIP includes up to $100,000 for content coverage.

Things that are not covered in your flood insurance policy

  • Flooding from burst pipes, bathtub leaks, or other events not considered "natural waters"
  • Some personal belongings that are kept in your basement or areas below the lowest floor level
  • Mold or mildew that results from flooding
  • Flooding from earthquakes or mudslides
  • Detached structures unless added to the policy

Your agent can help you determine your coverages and limits and clarify what your Wisconsin homeowners insurance covers. If you need additional policies, they can assist you with purchasing those. 


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Do You Need Flood Insurance in Wisconsin?

Oftentimes, people discover too late that their homeowners insurance policy does not cover flooding from natural waters. In a state like Wisconsin, you're at risk for multiple types of flooding, including flash flooding, river flooding, coastal flooding, ice/debris jams, snowmelt, and dam breaks or levee failures. 

Depending on where you're located, you may be required to purchase flood insurance. If your home has a mortgage that's federally backed, you'll be required to purchase flood insurance if you're located in a high-risk flood zone. Even outside these zones, some lenders may require owners to purchase coverage if they believe there is a risk. 

Your independent insurance agent can help you determine if you're required to have coverage in your area, or whether it's simply recommended. 

What Flood Zones Require Flood Insurance in Wisconsin?

If you're located in a high-risk flood zone, you may be required to have flood insurance by your mortgage lender, or if your mortgage loan is federally backed. High-risk flood zones are determined by FEMA and can be found using the FEMA Flood Map Service Center. Simply enter your address and you can determine if you're in a flood zone.

There are numerous flood zones that are categorized into high-risk, moderate to low-risk, and undetermined flood risk zones. 

  • High-risk flood zones: These zones are labeled with the letter A or V on the FEMA maps. In these zones, there is a one in four chance of the home experiencing flooding. Insurance is required in high-risk zones.
  • Moderate to low-risk zones: These zones are labeled with the letters B, C, or X on the FEMA maps. While flood risk is reduced in moderate to low-risk zones it is not removed. Insurance is recommended in these zones.
  • Undetermined flood zones:  These zones are labeled with the letter D on the FEMA maps. In these areas, flood risks have not been determined but may still be present.

Historically, Wisconsin has experienced significant flooding in counties across the state. Flood zones are continually changing so it's important to stay on top of the latest flood maps and know your home's risks.

How Much Does Flood Insurance Cost in Wisconsin? 

Wisconsin is one of the more expensive states to purchase flood insurance in. Because of its increased risk for flooding, annual insurance premiums are nearly 38% higher than the national average. 

  • Flood insurance premiums in Wisconsin: $1,012 a year 

The benefit of purchasing coverage from the NFIP is that prices are regulated and your rates will not increase if you have to file a claim. If you choose to purchase private coverage, you'll likely pay more for your premium. 

What Are the Best Flood Insurance Companies in Wisconsin?

Whether you're going through a private carrier or through the NFIP, it's a good idea to shop flood insurance quotes in Wisconsin before you make a decision. As a consumer, it can be difficult to know which companies are known for offering reputable coverage and service at affordable prices.

Fortunately, local independent insurance agents have built a relationship with insurance carriers across the state. They know who the top-rated companies are and can guide you in selecting a policy from one of the best flood insurance companies in Wisconsin.

Best Flood Insurance Companies in Wisconsin Star Rating
5 star rating
State Auto
5 star rating
Central Insurance Companies
5 star rating
4.5/5 star rating

Why Shop Flood Insurance with a Wisconsin Independent Insurance Agent?

Even though flood insurance is offered through the government, it must be purchased through a qualified insurance provider. The easiest way to find these providers is by utilizing a local independent insurance agent

Agents take the hassle out of shopping quotes and finding the best policy. They'll work with you, free of charge, and offer guidance and understanding when it comes to flood insurance. Since they're not tied to a specific carrier, agents work with your best interest in mind. They'll answer your questions and are even there for you if you need to file a claim. Work with an independent insurance agent to secure the best flood insurance in Wisconsin today.

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