What is flood insurance?

Flood insurance¹ helps cover physical damage to your home and belongings from floods or related losses from rising water. You can purchase a policy on-line from National General, an Allstate company, or a government-run National Flood Insurance Program (NFIP) policy through an Allstate agent.

Why do I need flood insurance?

When you purchase a flood policy through Allstate, you're helping to protect yourself from the financial burden flooding can cause. Instead of paying out of pocket or taking out loans to cover your expenses, flood insurance can help make the recovery process quicker, easier and less costly.

Flood insurance options

Beyond Floods

Private flood insurance offered by National General, an Allstate Company.

get a quote

National Flood Insurance Program

National Flood Insurance Program (NFIP) is a federal program administered by FEMA.

Call 1-855-435-7255, press #2

Compare your options

Take a closer look at your flood coverage options from Beyond Floods and the NFIP.

Beyond Floods
National Flood insurance program
Program type
Private
(National General, an Allstate Company)
Government
(FEMA-backed, subsidized)
Waiting period

Loan closing
0-day wait


All other
7-day wait

Loan closing
0 day wait


All other
30 day wait

Occupancy type

Residential


Single family

Residential buildings and units

  • Single family
  • Multi-unit (e.g., townhouse, condo)


Non-residential/commercial

Maximum Payout for Structure

Residential


Up to $1.5M

Residential

  • Up to $250,000/single family home
  • Up to $250,000/condo unit


Non-residential/commercial
Up to $500,000

Maximum Payout for Contents
(non-structural)
Residential
Up to $750,000

Residential
Up to $100,000

Non-residential/commercial
Up to $500,000

Basement Coverage
Yes
Limited*
Displacement Costs
(expenses incurred while unable to live in structure)
$5K minimum; up to $150K
None
Price
Quote now
Contact agent to quote
Payment Options

Direct and Lender-billed options:


  • Annual
  • Semi Annually
  • Quarterly
  • Monthly

Annual only

protect your home from nature’s uncertainties

Floods are usually unexpected and unpredictable. Protect what matters most with a flood insurance policy. Get an online quote for Beyond Floods, or talk to an agent about NFIP.

What does flood insurance cover?

When it comes to flood insurance, you can choose from two types of coverage: building property (structure) and personal property (contents).

Building property (structure) coverage
Covers your home’s physical structure, including electrical and plumbing systems, refrigerators, window blinds and more.

Personal property (contents) coverage
This covers your belongings inside your home. Things like clothing, furniture, microwaves and televisions, at their value at the time that they’re damaged or destroyed.

What's not covered?

While there’s a lot they do protect, the building property (structure) and personal property (contents) policies don’t cover every flood-related expense or situation. Here are a few examples of what may not be covered:

  • Damage caused by moisture, mildew or mold that could have been avoided by the residence’s owner
  • Currency, precious metals and valuable papers like stock certificates
  • Property and items outside of a building like trees, fences and swimming pools
  • Living expenses like temporary housing

¹Subject to National Flood Insurance Program terms, conditions and availability. The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like Allstate through the Write Your Own (WYO) Program. © 2022 Allstate Insurance Company, Northbrook, IL.

Excess Flood Insurance coverage may currently be available in your state. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact your local Allstate agent to find out whether Flood Insurance coverage is available in your area.

Please note that this website provides only a summary of Flood Insurance coverage, written to illustrate in general terms how flood insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.

Insurance coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

Beyond Floods branded policies underwritten by member companies of National General, An Allstate Company. Terms, conditions, limits and exclusions apply. Availability may vary by state. Admitted Private Flood: FL & NJ. E&S Private Flood: AL, AZ, CA, CO, CT, GA, IA, ID, IL, IN, LA, MA, MD, ME, Ml, MN, MS, NC, NM, OH, OR, PA, RI, SC, TX, VA, WA, WV.

NFIP policies are available in all states, including the District of Columbia subject to National Flood Insurance Program terms, conditions and availability. The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like Allstate through the Write Your Own (WYO) Program. © 2022 Allstate Insurance Company, Northbrook, IL.

* NFIP Standard Flood Insurance Policy Summary of Coverage
* NFIP Commercial Property Summary of Coverage
* NFIP Residential Condominium Buildings Summary of Coverage