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Flood Insurance

Homeowners insurance doesn’t cover flooding.

Flooding is the #1 natural disaster in Virginia. Hurricanes like Isabel and Gaston demonstrated that even “safe” areas can get hit hard in heavy storms. But flood damage is excluded from most homeowners insurance, and disaster assistance has its own limitations. Only flood insurance covers flooding.

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Connect with our partners at Southern Farm Bureau for an online flood insurance quote.

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A few more reasons to protect your home against flooding:

More than 20% of flood claims are outside of high-risk areas.1

More than 30% of disaster assistance goes towards flood damage.1

In a high-risk area, a home has a 1 in 4 chance of flooding over a 30-year mortgage.2

Just 2 inches of water in a home can cause more than $10,000 dollars in damage.3

Get coverage you can rely on.

We cover more than you might expect. Ask an agent about all the perils you’re protected against with Virginia Farm Bureau.

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Know your risk and protect what matters.

Everyone is at risk of flooding. Floods have many causes, including storms and hurricanes, levees, flash floods, or just heavy rain. Your property can be more susceptible to certain causes than others. Check your location to see how high your flood risk is.

Flood insurance costs the same wherever you get it. It’s a national program backed by the federal government via the National Flood Insurance Program. Your local Virginia Farm Bureau Insurance agent can help you assess your flood risk and get the right coverage, and they'll be close by if you ever need to file a claim.

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1. FEMA. "Basic Facts about the National Flood Insurance Program." Accessed June 13, 2017.
2. US Geological Survey. "100-Year Flood--It's All About Chance." April 2010.
3. FEMA. "Spring Flooding: Risks and Protections." Accessed June 13, 2017.

The preceding insurance descriptions contain only a general explanation of available coverages and are intended for informational purposes only and do not replace or modify your individual policy’s provisions and applicable endorsements which control coverage determinations. To learn more about insurance coverage talk to your local Virginia Farm Bureau Agent.