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Flood Insurance

If You Own or Rent
a Home, Flood
Insurance is Right for You

Flood Insurance from The Hartford is a Smart Choice

Whether you own or rent, your home is important to you. And so are your belongings. From TVs and smartphones to the items you treasure, like your grandmother's clock.

You probably have property insurance to protect your home and belongings. But what about protection from flood damage?

Flooding can occur anytime, anywhere. Even in the most unlikely places. And it’s caused by more than just heavy rainfall. Melting snow and hurricanes can cause flooding, too. New construction is also a contributing factor during heavy rainfall.

One of the smartest ways you can protect your home and belongings is with flood insurance from The Hartford, available through the National Flood Insurance Program (NFIP).

Flood insurance FAQs

I have homeowners insurance. Why do I need a flood policy too?

Most homeowners policies don’t cover damage caused by flooding. Check your policy. If it doesn’t cover flood damage, you should consider adding a flood policy.

What does flood insurance cover?

With a standard policy you can protect against damage to:

  • The building
  • Its contents
  • Or both

Depending on your needs, you may decide to insure both to protect:

  • Structural elements, such as walls, floors, equipment and fixtures
  • Contents, such as furniture, appliances, and wall and floor coverings
  • Personal items, such as clothing, audio equipment and televisions

Can I get a flood policy if I live in a high-risk flood zone?

You can get coverage as long as your community participates in the National Flood Insurance Program (NFIP) – and most communities do.

How can I save money on flood insurance costs?

The federal government establishes flood insurance rates, and all companies offering flood coverage will use these rates to determine your cost.

You may be able to save money if you:

  • Live in an area that has a low-to-moderate risk of flooding
  • Meet the requirements of a preferred risk policy
  • Choose higher deductibles
  • Live in an area that participates in the NFIP Community Rating System (CRS mitigation)

When costs are the same, a good way to get more value for your money is to choose a company that provides you with a higher level of service. The Hartford does just that. For more than 200 years, we’ve helped our customers prepare and prevail through losses. And we can do the same for you.

Is it easy to get flood insurance?

It is through The Hartford. Simply contact a local agent that represents The Hartford and ask for a flood insurance quote. Or, call our highly trained flood insurance specialists at 1-800-296-7542. We’ll be happy to answer your questions and assist you in adding this valuable protection for your property.

Tips and tools to help you protect your property against flood damage

The National Flood Insurance Program provides several useful tools at to help property owners protect themselves against flood damage.

Calculate the cost of flooding

Consider different flood risk scenarios

Watch video testimonials

All policies are written subject to the National Flood Insurance Program.

The Hartford is a participant in the federal Write Your Own (WYO) Program, part of the National Flood Insurance Program managed by the Federal Emergency Management Agency (FEMA). WYO flood policies are underwritten by the federal government and issued, sold, and administered by authorized private insurance companies, including Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest and Hartford Underwriters Insurance Company. Accordingly, Hartford WYO flood policies are written subject to the rules, regulations, terms, conditions, and availability of the National Flood Insurance Program.

This site outlines in general terms the coverages and services that may be afforded under a Hartford WYO flood policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages and services described in this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

Call for a Quote

For more information or to request
a flood quote, call The Hartford at:
M-F 8 am to 6 pm ET

Find a Flood Agent

Prefer to work with a local agent? No problem! We'll help you find an independent flood insurance agent in your neighborhood.

Find a Flood Agent

Report a Flood Claim

If you have flood insurance through The Hartford for the National Flood Insurance Program and need to report a claim, call