Archive · 11 Jun 2025
Flood Insurance: What You Need to Know Before Hurricane Season
Hurricane season brings the risk of flooding, so it's a good idea to think about flood insurance.
This insurance isn't usually part of regular home insurance.
If you live in a flood zone, you might be required to buy it, but even if you don't, it could be smart to get it.
Flood insurance covers damage from floods, no matter what caused them.
There are two types: one for your house and one for your stuff inside.
It costs an average of $898 a year, but the price changes depending on where you live and how risky it is.
Hurricane season began June 1, with forecasts predicting more storms than average.
Flood insurance is often separate from standard home insurance and may be required in certain areas.
Around 20% of flood insurance claims come from low to moderate-risk areas, highlighting broader risk.
Flood insurance covers flood-related damages, irrespective of the cause of flooding.
The average annual premium for flood insurance is $898, though costs vary based on location and risk.
- Who
- Homeowners, especially those in areas at risk of flooding.
- What
- Information about flood insurance, including coverage, cost, and when it's needed.
- When
- Hurricane season, which begins June 1.
- Where
- Hurricane-prone areas and low to moderate-risk areas.
- Why
- To protect against financial losses from flood damage, which isn't usually covered by standard home insurance.
Views on Flood Insurance Necessity
Expert Recommendations
Necessity of Flood Insurance
Views on Flood Insurance Necessity
Individuals in low to moderate flood risk areas may not see the need for flood insurance.
Expert Recommendations
Experts suggest that even if you aren't in a high-risk flood zone, you may still need flood insurance.
- Hurricane Season Start
- June 1
- Average Named Storms (forecast)
- 19
- Average Hurricanes (forecast)
- 6-10
- Flood Insurance Coverage
- Damage from flooding, regardless of cause
- Average Annual Premium
- $898
- Types of Coverage
- Building and Contents