Insurance
Flood Insurance
Flood insurance is separate from standard homeowners coverage and may protect a building, its contents, or both. Coverage depends on the policy and the location.
What to consider
- 01Review building and contents coverage separately.
- 02Ask about waiting periods and purchase coverage before a loss is imminent.
- 03Review deductibles, basement limitations, and excluded property.
Through a military lens
When buying or renting near a new installation, review local flood risk rather than relying only on a property’s designated flood zone. Ask about coverage at the address you will actually occupy.
Questions, answered
Can flooding happen outside high-risk zones?
Yes. A lower-risk designation does not mean flood damage is impossible.
Does coverage start immediately?
Some flood policies have waiting periods, with exceptions. Confirm the effective date with the provider.
Draft educational guidance for owner and factual review before publication. Policy terms, exclusions, and state requirements vary. MilitaryInsure is not a carrier or licensed insurance agency and does not provide individual insurance advice.