Why Purchase Flood Insurance?

When you think about flooding, you may not think that winter storms or snowmelt in your area could result in damage to your home. But flooding from storms and melting snow is a common and widespread occurrence in many parts of the U.S., threatening homes and businesses with thousands of dollars worth of damage.

Flood Insurance: A Wise Investment for Most

In a high-risk area, your home is more than twice as likely to be damaged by flood than by fire.
Last year, about 25% of claims paid by the National Flood Insurance Program weren’t in high-risk areas.
Flood insurance may be required to close your loan.

Why Purchase Flood Insurance?

It’s the most common natural disaster in the United States and is not limited to coastal areas.
Flood damage is not covered under a standard homeowners policy. See what just a few inches of water can do to your home. Watch FloodSmart’s interactive demo. Keep in mind that flood maps have changed recently, so you could be at increased risk for flooding as a result of natural disasters and not know it. Visit floodsmart.gov for a Flood Map Update Schedule.

What Does Flood Insurance Cover?

Through USAA and the National Flood Insurance Program (NFIP), you can be protected from:
– Overflow of lakes, rivers, streams and drainage systems
– Coastal high tides or storm surges
– Unusual and rapid accumulation of surface water runoff
– Mudflow caused by excessive rain

Coverage through USAA and the National Flood Insurance Program is available up to $250,000 for your home and $100,000 for its contents. Through the USAA Insurance Agency Inc., coverage is also available in excess of $250,000 dwelling and $100,000 contents through a third-party carrier. It provides up to $25,000 for additional living expenses and provides maximum coverage on high-value properties.
Don’t wait for a flood threat to occur — a 30-day waiting period applies.

Other Important Considerations

Life Insurance

Flooding kills more people in the U.S. each year than hurricanes, tornadoes, wind storms or lightning, according to the National Weather Service. Belongings can be replaced, but people cannot. Life insurance can provide loved ones with financial security during a time of tragedy.

Financial Assistance

Whether it’s the recession, declining home values, or a tough job market, financial problems can make natural disasters even worse. USAA is dedicated to helping members and their families achieve financial security and can help guide you through tough economic times. Members enjoy access to free financial advice.

More Flood and Water Damage Protection Tips

See the Flood Smart list of additional tips and recommendations from the National Flood Insurance Program for preparing and safeguarding your home and your family from the dangers of flooding.

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