Is Hurricane Flooding Covered By Homeowner’s Insurance

Performance Property Real Estate Question

Q: My friend’s home had major water damage from Hurricane Ida. Does homeowner’s insurance cover hurricane flooding? Ellen, Totowa, NJ

A: Great question, Ellen. Private homeowners insurance policies typically do not cover flood damage. That exclusion also pertains to flooding brought on by or as a result of a hurricane. Typically, you have to purchase flood insurance separately. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program to help cover hurricane flood damage. The average cost of flood insurance through the National Flood Insurance Program (NFIP) is about $1,000 per year, but the amount you pay depends on your location. Flood and disaster insurance is becoming more and more important as climate change increases the frequency and severity of hurricanes. Thanks for your question, Ellen.

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