Maryland Insurance Administration

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 Flood Insurance

MIA Website Headers.png ​Are you flood prepared?​

Flood damage is one of the most common and costly disasters in the United States. Flooding can occur almost anywhere, even if you do not live in a high-risk area known as a “special hazard flood zone.” 

​​It is important that homeowners, renters and business owners evaluate their risks and take steps to protect their homes and businesses from flooding. One way to manage your risks is to purchase additional insurance to cover damage caused by flooding.​​​​​

  • Most standard homeowners and renters policies do not cover flood damage. You need  flood insurance for that protection.
  • Check your flood risk even if you’re not in a “high-risk” zone.  No home is safe from the devastation of a flood, 25% of flood losses occur to homes outside of a high-risk area.
  • Don’t wait until a storm is on its way! Most flood insurance policies have a 30-day waiting period.
  • Under FEMA’s National Flood Insurance Program (NFIP), coverage for your home and coverage for your contents are separate policies. Building Coverage includes the building itself and those contents that are part of the physical structure of your home, such as electrical and plumbing systems.  Content coverage covers things like personal belongings and laundry appliances, and those belongings are covered for their value at the time of the damage (known as Actual Cost Value).
  • Understand your coverage limits.  The NFIP sells residential policies with Building Coverage limits up to $250,000, and Contents Coverage limits up to $100,000.
  • Keep important documents in a water-proof spa​ce or the cloud. Update your home inventory by using the
    Home Inv​​​​entory A​pp.​

Learn more about Flood Insurance:​​

Resources from our Partners:

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​Watch this video on Flood Insurance Tips:​​​

 

​Test your knowledge of flood-related insurance with this interactive quiz:

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​To learn more about our consumer education and advocacy initiatives, read our Consumer Publications. These materials provide information about most types of insurance from auto, homeowners, health and life policies to annuities, title insurance and coverage for boats.​

If your community group, HOA or organization is interested in a virtual or in-person presentation or speaker, contact Associate Commissioner Patricia Dorn at patricia.​[email protected]​​ or click here.

Maryland Insurance Administration
200 St. Paul Place
Suite 2700
Baltimore, MD 21202
410-468-2000
1-800-492-6116 (toll free)
1-800-735-2258 (TTY)