Enter your address to find your flood zone and compare flood insurance quotes
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Frequently Asked Questions
What is a flood zone, and why does it matter?
A flood zone is a geographic area that FEMA has defined according to varying levels of flood risk. Knowing your flood zone helps you understand your risk and whether flood insurance is required.
How do I find out my flood zone?
Simply enter your address on this page, and we’ll show you your designated flood zone in seconds.
Do I need flood insurance if I’m not in a high-risk flood zone?
Even if you're in a low- or moderate-risk area, flood insurance is still recommended. Over 20% of flood claims come from areas outside high-risk zones.
How is flood insurance different from homeowners insurance?
Homeowners insurance does not cover flood damage. Flood insurance is a separate policy specifically designed to cover damage from flooding.
How do I get a flood insurance quote?
After checking your flood zone, you can easily compare flood insurance quotes from top carriers on HoneyQuote and choose the best option for your needs.
Is flood insurance required in my area?
If you live in a high-risk flood zone and have a mortgage, flood insurance may be required by your lender. Even if it’s not required, it’s still a good idea to consider coverage.
How much does flood insurance cost?
The cost of flood insurance varies based on factors such as your flood zone, property characteristics, and coverage needs. You can get a personalized quote through our site in seconds.
Can I customize my flood insurance policy?
Yes, you can customize your flood insurance policy to fit your needs, including coverage limits for your home and personal belongings.
How do I file a flood insurance claim?
If your home is damaged by flooding, contact your insurance provider as soon as possible to start the claims process. They will guide you through the steps needed to repair your home and replace damaged belongings.
Can I purchase flood insurance at any time, or do I have to wait for a specific period?
You can purchase flood insurance at any time, but most policies have a 30-day waiting period before coverage begins. It’s important to plan ahead and not wait until a flood is imminent to get coverage.
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