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Flood insurance is generally available to people in communities that participate in the National Flood Insurance Program (NFIP). Flood insurance policies can be purchased through local insurance agents by homeowners, business owners and renters who want protection for their homes, buildings and belongings. (Landlords can buy separate flood insurance policies to help protect the home.)

 

WHAT DOES FLOOD INSURANCE COVER?

So, what does a flood policy help protect? FEMA says you can purchase coverage to help protect your home, your personal belongings, or both. Here are some of the basics for these two types of coverage:

Building property coverage
  • What it helps protect: The physical structure of your home and its foundation; plumbing and electrical systems; central air and heating systems; attached bookcases, cabinets and paneling; and a detached garage (other detached structures need their own policy).
  • How it typically pays out: Replacement cost basis (what it would take to repair the home in today's dollars) for a primary residence and actual cash value (which factors in depreciation) for a vacation home.
  • Maximum coverage limit: $250,000
Personal contents coverage
  • What it helps protect: Clothing, furniture and electronics; curtains; some portable appliances; freezers and the foods within them; and certain valuables, like art (up to a specified limit).
  • How it typically pays out: Actual cash value basis (takes depreciation into account).
  • Maximum coverage limit: $100,000

 






HOW DO I PURCHASE FLOOD INSURANCE?

local insurance agent can help you purchase a flood insurance policy from the NFIP.

You'll typically need to wait 30 days for your policy to go into effect, though there are some exceptions. For instance, if you purchase a flood insurance policy at the same time you take out a mortgage, the insurance may go into effect immediately, according to FEMA.

WHAT'S NOT COVERED BY FLOOD INSURANCE?

Equally important is knowing what's not covered by flood insurance. Here are a few examples of the types of property and expenses that fall outside the scope of a basic flood insurance policy, according to the NFIP:

  • Moisture or mold/mildew damage that "could have been avoided by the homeowner"
  • Currency, precious metals and paper valuables, like stock certificates
  • Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, and hot tubs and pools
  • Living expenses, like temporary housing (if flood damage deems your home uninhabitable).
  • Cars and other self-propelled vehicles (but your auto insurance may offer some protection for your car if you have comprehensive coverage).

In addition, flood insurance provides limited, if any, coverage for below-ground rooms like crawl spaces and basements, and their contents, the NFIP says. Some items in these spaces (like the furnace) are typically included under building coverage. Others (like the washer/dryer) are usually covered under personal contents coverage. And some items ─ like your personal effects ─ may not be covered at all when they're kept in below-ground rooms.

Talk to an agent to help make sure you're clear about the coverage details, exclusions and limitations of a flood insurance policy and to help you make the right choices for your situation.

Of course, you should also remember that a flood isn't the only potential source of water damage to a home. That's why, in addition to understanding the potential benefits of flood insurance, you should also review the coverages offered by your homeowners insurance policy.

Armed with the knowledge and insurance coverages that are right for you, you'll go a long way toward protecting your home against water damage.


27,952217.6 sq mi (45.6 km2)1797Henderson
Heritage Creek[a 1]1,07650.4 sq mi (1.0 km2)Jefferson
Hickman2,39543.6 sq mi (9.3 km2)Fulton
Hickory Hill11460.1 sq mi (0.3 km2)Jefferson
Highland Heights6,92342.6 sq mi (6.7 km2)1867Campbell
Hills and Dales14260.1 sq mi (0.3 km2)Jefferson
Hillview8,17243.3 sq mi (8.5 km2)1974Bullitt
Hindman77753.1 sq mi (8.0 km2)1884Knott
Hodgenville3,20642.1 sq mi (5.4 km2)1818Larue
Hollow Creek78350.2 sq mi (0.5 km2)Jefferson
Hollyvilla53760.3 sq mi (0.8 km2)Jefferson
Hopkinsville31,577230.8 sq mi (79.8 km2)1799Christian
Horse Cave2,31142.7 sq mi (7.0 km2)1864Hart
Houston Acres50760.1 sq mi (0.3 km2)Jefferson
Hunters Hollow38660.1 sq mi (0.3 km2)Bullitt
Hurstbourne4,21641.8 sq mi (4.7 km2)1982Jefferson
Hurstbourne Acres1,81150.3 sq mi (0.8 km2)Jefferson
Hustonville40551.0 sq mi (2.6 km2)Lincoln
Hyden36561.3 sq mi (3.4 km2)1878Leslie
Independence24,757317.7 sq mi (45.8 km2)1842Kenton
Indian Hills2,86842.0 sq mi (5.2 km2)1999Jefferson
Inez71761.7 sq mi (4.4 km2)1874Martin
Irvine2,71541.5 sq mi (3.9 km2)1812Estill
Irvington1,18150.9 sq mi (2.3 km2)Breckinridge
Island45860.3 sq mi (0.8 km2)McLean
Jackson2,24442.7 sq mi (7.0 km2)1839Breathitt
Jamestown1,79453.0 sq mi (7.8 km2)1827Russell
Jeffersontown26,595210.0 sq mi (25.9 km2)1797Jefferson
Jeffersonville1,50652.5 sq mi (6.5 km2)Montgomery
Jenkins2,20347.7 sq mi (19.9 km2)Letcher
Junction City2,24141.8 sq mi (4.7 km2)Boyle
Kenton Vale11060.1 sq mi (0.3 km2)Kenton
Kevil37660.4 sq mi (1.0 km2)Ballard
Kingsley38160.1 sq mi (0.3 km2)Jefferson
Kuttawa64952.7 sq mi (7.0 km2)Lyon
La Center1,00950.6 sq mi (1.6 km2)Ballard
La Grange8,08247.1 sq mi (18.4 km2)1827Oldham
LaFayette16560.2 sq mi (0.5 km2)Christian
Lakeside Park2,66850.8 sq mi (2.1 km2)1930Kenton
Lakeview Heights18560.1 sq mi (0.3 km2)Rowan
Lancaster3,44241.9 sq mi (4.9 km2)1797Garrard
Langdon Place93660.2 sq mi (0.5 km2)Jefferson
Lawrenceburg10,50545.9 sq mi (15.3 km2)1820Anderson
Lebanon6,33145.3 sq mi (13.7 km2)1814Marion
Lebanon Junction1,81355.7 sq mi (14.8 km2)Bullitt
Leitchfield6,699410.9 sq mi (28.2 km2)1810Grayson
Lewisburg81051.2 sq mi (3.1 km2)Logan
Lewisport1,67051.0 sq mi (2.6 km2)Hancock
Lexington295,8032285.6 sq mi (739.7 km2)1790Fayette
Liberty2,16851.9 sq mi (4.9 km2)1808Casey
Lincolnshire14860.1 sq mi (0.3 km2)Jefferson
Livermore1,36551.0 sq mi (2.6 km2)McLean
Livingston22660.3 sq mi (0.8 km2)Rockcastle
London7,993410.3 sq mi (26.7 km2)1825Laurel
Loretto71363.2 sq mi (8.3 km2)Marion
Louisa2,46751.6 sq mi (4.1 km2)1818Lawrence
Louisville[a 2]597,3371342.2 sq mi (886.3 km2)1778Jefferson
Loyall1,46151.4 sq mi (3.6 km2)Harlan
Ludlow4,40741.2 sq mi (3.1 km2)1864Kenton
Lynch74750.3 sq mi (0.8 km2)1917Harlan
Lyndon11,00243.6 sq mi (9.3 km2)1871Jefferson
Lynnview91450.2 sq mi (0.5 km2)Jefferson
McHenry38860.7 sq mi (1.8 km2)Ohio
McKee80052.3 sq mi (6.0 km2)Jackson
Mackville22260.4 sq mi (1.0 km2)Washington
Madisonville19,591418.7 sq mi (48.4 km2)1807Hopkins
Manchester1,25541.5 sq mi (3.9 km2)1807Clay
Manor Creek14060.1 sq mi (0.3 km2)Jefferson
Marion3,03943.4 sq mi (8.8 km2)1842Crittenden
Martin63440.7 sq mi (1.8 km2)Floyd
Maryhill Estates17960.1 sq mi (0.3 km2)Jefferson
Mayfield10,024310.4 sq mi (26.9 km2)1823Graves
Maysville9,011321.4 sq mi (55.4 km2)1787Mason
Meadow Vale73650.2 sq mi (0.5 km2)Jefferson
Meadowbrook Farm13660.1 sq mi (0.3 km2)Jefferson
Meadowview Estates36360.1 sq mi (0.3 km2)Jefferson
Melbourne40160.8 sq mi (2.1 km2)Campbell
Mentor19360.7 sq mi (1.8 km2)Campbell
Middlesborough10,33437.6 sq mi (19.7 km2)1890Bell
Middletown7,21845.1 sq mi (13.2 km2)1797Jefferson
Midway1,64141.1 sq mi (2.8 km2)Woodford
Millersburg79250.4 sq mi (1.0 km2)Bourbon
Milton59361.3 sq mi (3.4 km2)Trimble
Mockingbird Valley16760.2 sq mi (0.5 km2)Jefferson
Monterey13860.3 sq mi (0.8 km2)Owen
Monticello6,18845.9 sq mi (15.3 km2)1800Wayne
Moorland43160.1 sq mi (0.3 km2)Jefferson
Morehead6,84549.5 sq mi (24.6 km2)1856Rowan
Morganfield3,28543.0 sq mi (7.8 km2)1870Union
Morgantown2,39452.4 sq mi (6.2 km2)1811Butler
Mortons Gap86351.2 sq mi (3.1 km2)Hopkins
Mount Olivet29950.4 sq mi (1.0 km2)1851Robertson
Mount Sterling6,89544.4 sq mi (11.4 km2)1792Montgomery
Mount Vernon2,47751.7 sq mi (4.4 km2)1790Rockcastle
Mount Washington9,11746.1 sq mi (15.8 km2)1822Bullitt
Muldraugh94750.6 sq mi (1.6 km2)Meade
Munfordville1,61552.3 sq mi (6.0 km2)1816Hart
Murray17,741311.3 sq mi (29.3 km2)1844Calloway
Murray Hill58260.1 sq mi (0.3 km2)Jefferson
Nebo23660.3 sq mi (0.8 km2)Hopkins
New Castle91250.4 sq mi (1.0 km2)1798Henry
New Haven85560.6 sq mi (1.6 km2)Nelson
Newport15,27323.0 sq mi (7.8 km2)1794Campbell
Nicholasville28,015313.1 sq mi (33.9 km2)1812Jessamine
Norbourne Estates44160.1 sq mi (0.3 km2)Jefferson
North Middletown64350.3 sq mi (0.8 km2)Bourbon
Northfield1,02050.5 sq mi (1.3 km2)Jefferson
Nortonville1,20451.1 sq mi (2.8 km2)Hopkins
Norwood37060.1 sq mi (0.3 km2)Jefferson
Oak Grove7,489410.8 sq mi (28.0 km2)1828Christian
Oakland22561.4 sq mi (3.6 km2)Warren
Old Brownsboro Place35360.1 sq mi (0.3 km2)Jefferson
Olive Hill1,59941.8 sq mi (4.7 km2)1861Carter
Orchard Grass Hills1,59550.4 sq mi (1.0 km2)Oldham
Owensboro57,265220.4 sq mi (52.8 km2)1816Daviess
Owenton1,32751.1 sq mi (2.8 km2)1822Owen
Owingsville1,53042.4 sq mi (6.2 km2)1829Bath
Paducah25,024220.0 sq mi (51.8 km2)1830McCracken
Paintsville3,45942.8 sq mi (7.3 km2)1834Johnson
Paris8,55336.0 sq mi (15.5 km2)1789Bourbon
Park City53751.5 sq mi (3.9 km2)Barren
Park Hills2,97040.8 sq mi (2.1 km2)1927Kenton
Parkway Village65060.1 sq mi (0.3 km2)Jefferson
Pembroke86961.1 sq mi (2.8 km2)Christian
Perryville75150.8 sq mi (2.1 km2)Boyle
Pewee Valley1,45652.0 sq mi (5.2 km2)Oldham
Pikeville6,903421.1 sq mi (54.6 km2)1823Pike
Pineville1,73241.7 sq mi (4.4 km2)1781Bell
Pioneer Village2,03040.7 sq mi (1.8 km2)Bullitt
Pippa Passes53360.5 sq mi (1.3 km2)Knott
Plantation83250.2 sq mi (0.5 km2)Jefferson
Pleasureville83460.5 sq mi (1.3 km2)Henry 
Shelby
Plum Springs45360.3 sq mi (0.8 km2)Warren
Poplar Hills36260.1 sq mi (0.3 km2)Jefferson
Powderly74551.6 sq mi (4.1 km2)Muhlenberg
Prestonsburg3,255412.9 sq mi (33.4 km2)1797Floyd
Prestonville16160.2 sq mi (0.5 km2)Carroll
Princeton6,32949.0 sq mi (23.3 km2)1817Caldwell
Prospect4,69833.9 sq mi (10.1 km2)1974[3]Jefferson 
Oldham
Providence3,19346.1 sq mi (15.8 km2)1828Webster
Raceland2,42452.5 sq mi (6.5 km2)Greenup
Radcliff21,688212.4 sq mi (32.1 km2)1919Hardin
Ravenna60550.3 sq mi (0.8 km2)Estill
Raywick13460.9 sq mi (2.3 km2)Marion
Richlawn40560.1 sq mi (0.3 km2)Jefferson
Richmond31,364223.1 sq mi (59.8 km2)1798Madison
River Bluff40360.2 sq mi (0.5 km2)Oldham
Riverwood44660.2 sq mi (0.5 km2)Jefferson
Robards51563.0 sq mi (7.8 km2)Henderson
Rochester15260.5 sq mi (1.3 km2)Butler
Rockport26660.7 sq mi (1.8 km2)Ohio
Rolling Fields64660.2 sq mi (0.5 km2)Jefferson
Rolling Hills95950.2 sq mi (0.5 km2)Jefferson
Russell3,38043.0 sq mi (7.8 km2)1869Greenup
Russell Springs2,44154.5 sq mi (11.7 km2)Russell
Russellville6,947410.8 sq mi (28.0 km2)1798Logan
Ryland Heights1,02265.3 sq mi (13.7 km2)Kenton
Sacramento46860.4 sq mi (1.0 km2)McLean
Sadieville30351.1 sq mi (2.8 km2)Scott
St. Charles27761.0 sq mi (2.6 km2)Hopkins
St. Matthews17,47244.3 sq mi (11.1 km2)1800Jefferson
St. Regis Park1,45440.4 sq mi (1.0 km2)Jefferson
Salem75260.9 sq mi (2.3 km2)Livingston
Salt Lick30360.8 sq mi (2.1 km2)Bath
Salyersville1,88342.5 sq mi (6.5 km2)1861Magoffin
Sanders23860.3 sq mi (0.8 km2)Carroll
Sandy Hook67551.0 sq mi (2.6 km2)1869Elliott
Sardis10361.0 sq mi (2.6 km2)Mason 
Robertson
Science Hill69360.6 sq mi (1.6 km2)Pulaski
Scottsville4,22645.7 sq mi (14.8 km2)1816Allen
Sebree1,60352.9 sq mi (7.5 km2)Webster
Seneca Gardens69660.2 sq mi (0.5 km2)Jefferson
Sharpsburg32360.2 sq mi (0.5 km2)Bath
Shelbyville14,04548.2 sq mi (21.2 km2)1792Shelby
Shepherdsville11,222410.0 sq mi (25.9 km2)1793Bullitt
Shively15,26434.6 sq mi (11.9 km2)1831Jefferson
Silver Grove1,10251.7 sq mi (4.4 km2)Campbell
Simpsonville2,48452.2 sq mi (5.7 km2)Shelby
Slaughters21660.2 sq mi (0.5 km2)Webster
Smithfield10660.1 sq mi (0.3 km2)Henry
Smithland30160.5 sq mi (1.3 km2)1805Livingston
Smiths Grove71450.8 sq mi (2.1 km2)Warren
Somerset11,196311.3 sq mi (29.3 km2)1801Pulaski
Sonora51361.1 sq mi (2.8 km2)Hardin
South Carrollton18460.3 sq mi (0.8 km2)Muhlenberg
South Park View760.1 sq mi (0.3 km2)Jefferson
South Shore1,12250.9 sq mi (2.3 km2)Greenup
Southgate3,80341.4 sq mi (3.6 km2)1907Campbell
Sparta23165.9 sq mi (15.3 km2)Gallatin 
Owen
Spring Mill28760.1 sq mi (0.3 km2)Jefferson
Spring Valley65460.2 sq mi (0.5 km2)Jefferson
Springfield2,51943.7 sq mi (9.6 km2)1793Washington
Stamping Ground64360.4 sq mi (1.0 km2)Scott
Stanford3,48743.1 sq mi (8.0 km2)1786Lincoln
Stanton2,73342.1 sq mi (5.4 km2)1854Powell
Strathmoor Manor33760.1 sq mi (0.3 km2)Jefferson
Strathmoor Village64860.1 sq mi (0.3 km2)Jefferson
Sturgis1,89841.6 sq mi (4.1 km2)Union
Sycamore16060.1 sq mi (0.3 km2)Jefferson
Taylor Mill6,60446.3 sq mi (16.3 km2)1810Kenton
Taylorsville76350.3 sq mi (0.8 km2)1790Spencer
Ten Broeck10360.2 sq mi (0.5 km2)Jefferson
Thornhill17860.1 sq mi (0.3 km2)Jefferson
Tompkinsville2,40253.6 sq mi (9.3 km2)1809Monroe
Trenton38460.6 sq mi (1.6 km2)Todd
Union5,37943.3 sq mi (8.5 km2)Boone
Uniontown1,00250.9 sq mi (2.3 km2)Union
Upton68361.4 sq mi (3.6 km2)Hardin 
Larue
Vanceburg1,51841.3 sq mi (3.4 km2)1827Lewis
Versailles8,56844.4 sq mi (11.4 km2)1792Woodford
Vicco33460.8 sq mi (2.1 km2)Perry
Villa Hills7,48944.4 sq mi (11.4 km2)1921Kenton
Vine Grove4,52044.7 sq mi (12.2 km2)1850Hardin
Wallins Creek15660.3 sq mi (0.8 km2)Harlan
Walton3,63554.3 sq mi (11.1 km2)Boone 
Kenton
Warfield26960.8 sq mi (2.1 km2)Martin
Warsaw1,61540.7 sq mi (1.8 km2)1798Gallatin
Water Valley27960.6 sq mi (1.6 km2)Graves
Watterson Park97651.4 sq mi (3.6 km2)Jefferson
Waverly30860.3 sq mi (0.8 km2)Union
Wayland42662.6 sq mi (6.7 km2)Floyd
Wellington56560.1 sq mi (0.3 km2)Jefferson
West Buechel1,23050.6 sq mi (1.6 km2)Jefferson
West Liberty3,43544.4 sq mi (11.4 km2)1816Morgan
West Point79750.6 sq mi (1.6 km2)Hardin
Westwood63460.1 sq mi (0.3 km2)Jefferson
Wheatcroft16060.3 sq mi (0.8 km2)Webster
Wheelwright78061.8 sq mi (4.7 km2)Floyd
White Plains88453.2 sq mi (8.3 km2)Hopkins
Whitesburg2,13943.2 sq mi (8.3 km2)1842Letcher
Whitesville55260.4 sq mi (1.0 km2)Daviess
Whitley City1,170CDP2.3 sq mi (6.0 km2)1902McCreary
Wickliffe68851.1 sq mi (2.8 km2)1880Ballard
Wilder3,03553.8 sq mi (9.8 km2)Campbell
Wildwood26160.1 sq mi (0.3 km2)Jefferson
Williamsburg5,24544.9 sq mi (12.7 km2)1819Whitley
Williamstown3,925517.0 sq mi (44.0 km2)1820Grant 
Pendleton
Willisburg28260.7 sq mi (1.8 km2)Washington
Wilmore6,13440.9 sq mi (2.3 km2)Jessamine
Winchester18,36837.9 sq mi (20.5 km2)1792Clark
Windy Hills2,38550.9 sq mi (2.3 km2)Jefferson
Wingo63261.0 sq mi (2.6 km2)Graves
Woodburn35560.4 sq mi (1.0 km2)Warren
Woodbury9060.1 sq mi (0.3 km2)Butler
Woodland Hills69660.2 sq mi (0.5 km2)Jefferson
Woodlawn22960.1 sq mi (0.3 km2)Campbell
Woodlawn Park94250.3 sq mi (0.8 km2)Jefferson
Worthington1,60951.2 sq mi (3.1 km2)Greenup
Worthington Hills1,44660.3 sq mi (0.8 km2)Jefferson
Worthville18560.3 sq mi (0.8 km2)Carroll
Wurtland


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