Flood Insurance

customers of The Hartford protected by flood insurance

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customers of The Hartford protected by flood insurance
Flood Insurance Quote

What Does Flood Insurance Cover?

Flood insurance is typically an optional type of property insurance that can help protect your home from damage caused by flooding. However, in some cases, your mortgage provider may mandate that you carry it.
 
Most people think you only need this coverage when you live near water, but you don’t have to have a home along the coast or near a river to need it. Even areas considered at lower risk can be vulnerable to flooding due to many other conditions that can cause it, like poor drainage systems, rapid rainfall accumulations, seasonal snow-melting or even construction run-offs.
Flood Insurance Success Story video

Flood Insurance Success Story

Where it can rain, it can flood. It only takes one heavy rain, but you can protect what you’ve built with flood insurance.1

When To Consider Flood Insurance

Don’t assume that disasters like these won’t happen to your home. Landscapes and weather patterns are constantly changing, and this can result in unexpected flooding.
 
Consider flood insurance to protect your home if:
 
  • You live in a cold climate where the ground freezes and snow accumulates. In settings like this, the ground closest to your house thaws first. Melted snow can saturate the unfrozen ground nearby and spill into your basement.2
  • You’re at risk for wildfires. These disasters can scorch the land around your home and destroy all vegetation. In the year following, the lack of vegetation can lead to flash flooding and mudflows during rainy seasons that can ruin your home.3
  • The area you’re living in experiences long cold spells that cause rivers to freeze. If the water level rises or a thaw breaks the ice into big chunks, those chunks of ice could end up creating a dam, resulting in flooding.2

Does Homeowners Insurance Cover Flood Damage?

Most homeowners insurance policies don’t cover flood damage. Even though this essential extra layer of protection is optional, it’s still important and can be purchased as an additional coverage.
 
We also offer renters the option to purchase flood insurance for contents only coverage.
 
Flood insurance rates in the National Flood Insurance Program (NFIP) are established by the federal government. As a result, all companies that provide NFIP policies will use these same rates to determine your cost for coverage. Quotes given for flood insurance are based on your geographic location, the flood risks associated with your area and construction details specific to your home. 

Are You a Business Owner?

Calculate How Much a Flood Can Cost You

Flooding can cause significant damage. According to FEMA estimates, just one inch of water can cause up to $25,000 of damage to your home.4 Whether it's structural damage or the destruction of personal belongings, the costs associated with flood damage can quickly add up.
 
Visit FEMA's website to access a tool to estimate how much a flood could cost you.

Are You an AARP Member Seeking a Flood Insurance Quote?

The Hartford offers National Flood Insurance Program coverage to AARP members.
 
Get a quote quickly and easily online or call 800-296-7542 to speak with one of our flood insurance specialists. The Hartford's Flood Insurance Plan features specialists ready to answer your questions and provide you with a fast, personalized quote. If you need to report a flood claim, you can reach us anytime through our 24-hour Claims Hotline (800-787-5677). Customers can also report a claim by emailing HIGClaims@torrentcorp.com, or visiting our self service system.

Bundle Your AARP Insurance Coverages

You can get great rates and coverage when you bundle insurance policies through the AARP Auto and Home Insurance Program from The Hartford.
 
 
All policies are written subject to the National Flood Insurance Program.
 
1 The Hartford's use of this video on this site does not state or imply the endorsement by FEMA or by any FEMA employee of The Hartford's products, services or activities.
 
2 FEMA.gov, “Winter Flood Risk,” viewed June 2026.
 
3 FEMA.gov, “Flood After Fire,” viewed June 2026.
 
4 FEMA.gov, “Big Cost of Flooding.” Estimates based on national FEMA flood loss tables of cash value loss, viewed June 2026.
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 Insurance Group, Inc.
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
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