Flood Insurance
Flood damage is not covered by home insurance. A separate policy is.
“Most home policies do not cover flood, and people find that out at the worst possible time. We would rather have that conversation with you today than after the water rises.”
Does homeowners insurance cover floods?
Absolute Insurance Agency is an independent agency in Clive, Iowa that helps homeowners across the Des Moines metro protect against flood damage. This matters because flood damage is not covered by a standard homeowners policy, and floods can happen well outside mapped flood plains.
How much does flood insurance cost?
Flood insurance is often more affordable than people expect. The National Flood Insurance Program has offered Preferred Risk Policies for low to moderate risk properties starting as low as $119 per year (NFIP). Pricing varies by property and program, so confirm current rates with an Absolute Insurance agent.
Why not just rely on disaster aid?
A standard home policy does not cover flooding from rising water, flash floods, or mudslides, so you need a separate flood policy. Federal and state disaster loans are only available after an area is formally declared a disaster, the process can be slow, and the funds are loans that must be repaid. A flood policy from Absolute Insurance pays a covered claim without that uncertainty. The National Flood Insurance Program is managed by FEMA, part of the U.S. Department of Homeland Security.
Frequently asked questions
No. Flood damage requires a separate flood policy, which Absolute Insurance can write for you.
National Flood Insurance Program Preferred Risk Policies can start as low as about $119 per year for low to moderate risk properties.
Floods can happen anywhere, so coverage is worth considering even outside mapped flood zones.
