Floods are the most common natural disaster, causing more than $2 billion in property damage every year. Just a few inches of water can cause unexpected damage to your home. If you choose to purchase your National Flood Insurance Program policy through Foremost, one of our Foremost Flood Unit representatives will help you get the coverage you want in the event of a flood.

Flood Coverage Options

If your community participates in the National Flood Insurance Program (NFIP), Flood insurance is available for single family residences, condo owners and associations, renters, mobile and manufactured homes, commercial structures and other residential structures regardless of your flood risk.

Low-to Moderate-Risk Areas

Most buildings and their contents in a low- to moderate-risk areas are eligible for a low-cost Preferred Risk policy. A Preferred Risk policy offers two types of coverage: building and contents combined or contents-only. Rates start as low as $119 a year for homeowners and as low as $39 a year for renters.

If you live in a low- to moderate-risk area and you don't qualify for a Preferred Risk policy due to multiple flood losses on your property, a Standard Risk policy is available.

High-Risk Areas

Customers in High-risk areas can purchase Standard Risk coverage for the building only, contents only or for both the building and contents.

Coverage Limits

Based on the value of your building and its contents, coverage is available up to the following maximum limits of the National Flood Insurance Program:

If you need coverage beyond these amounts, you may be eligible for a separate Excess Flood policy. Ask our Foremost Flood Unit representative today at 866-865-2965.

What's Covered

Flood insurance policies cover direct physical loss by or from flood to your building and personal property. The following is an overview of items that would be eligible for coverage subject to the coverage purchased. For complete coverage information, please our Foremost Flood Unit to request a sample policy at 866-865-2965.

Coverage for basements and property in them is limited regardless of flood risk.

A Foremost Flood Unit representative can help you determine your flood risk and type of coverage to purchase. Call today for a quote, 866-865-2965 from 9 a.m. to 5 p.m., Eastern time, Monday through Friday.

Availability

Flood insurance is available in all 50 states, as long as your community participates in the National Flood Insurance Program (NFIP), except in Coastal Barrier Resources System (CBRS) areas. Call the Foremost Flood Unit today at 866-865-2965 to find out if your community participates. Representatives are available to help you from 9 a.m. to 5 p.m., Eastern time, Monday through Friday.

Most flood policies have a 30-day waiting period before coverage begins, so call for a quote today.

What You Should Know About Floods and Flood Insurance

Devastating floods can occur throughout the United States anytime of the year. Here are some things you should consider about floods and Flood insurance.

• You don't have to live by water to be at risk. Anywhere it rains, it can flood. Almost 25% of all flood claims occur in low- to moderate-risk areas.
• Most Homeowners insurance policies do not cover flood damage — federal Flood insurance does. Flood insurance also covers damage from mud flow, dirt and debris resulting from moving water.
• A home in a high-risk area has a 26% chance of being damaged by a flood during the course of a 30-year mortgage. That same home only has a 10.4% chance of a fire.
• In order to receive federal assistance in the event of a flood, the President of the United States of America must declare the flood area a federal disaster, but floods are not always declared a federal disaster.
• The most common form of Federal disaster assistance is a loan that must be repaid with interest.
• Flood insurance is affordable. Flood damage is not.

Call the Foremost Flood Unit today for a quote, toll-free, at 866-865-2965 from 9 a.m. to 5 p.m., Eastern time, Monday through Friday.

(All flood facts and statistics from the National Flood Insurance Program Website, FloodSmart.gov.)

Flood Safety