Flood Insurance

What Does Flood Insurance Cover?

Flood insurance is an optional insurance coverage that can help protect your home against the damage caused by flooding. And you don’t have to live along the coast or near a river to need it. Even areas considered at lower risk can be vulnerable to flooding because there are so many conditions that can cause it, including poor drainage systems, rapid accumulation of rainfall, snowmelt, and construction run-off.
Shopping for a flood insurance quote? You’ll need flood insurance to protect your home if:
  • You live in a colder climate where the ground freezes and snow accumulates. The ground closest to your house thaws first. When this happens, melted snow can saturate the unfrozen ground next to your house and then spill into your basement. You need flood insurance.2
  • Wildfires scorch the land around your home and destroy all vegetation. The following year, during a rainy season, the lack of vegetation leads to flash floods and mudflows that ruin your part of your home. You’ll need flood insurance.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 which results in flooding. If you live in the nearby area, you’ll need flood insurance to cover the damage your home may incur.2
Don’t assume that damages like these won’t happen to your home. Landscapes and weather patterns are constantly changing and this can result in unexpected flooding. Some areas are even more likely to experience flood damage than they are to experience fire damage.4 Rest more easily knowing that you’re protected in the event of flooding – get a quote today.

Do Homeowners Insurance Policies Cover Flood Damage?

Most homeowners insurance policies don’t cover flood damage. This important extra layer of protection is optional, additional coverage that you can purchase. 
Flood insurance rates are established by the federal government. As a result, all companies will use these same rates to determine your cost for flood insurance coverage. Quotes given for flood insurance are based on a customer’s geographic location and the flood risks associated with that area.
When rates are the same, additional value comes in choosing a company that provides exceptional service.
The AARP® Flood Insurance Plan from The Hartford features highly trained flood insurance specialists ready to answer your questions and provide you with a fast, personalized quote. If you choose to purchase flood insurance coverage through this program, you can rely on The Hartford’s highly rated customer service team to support your policy needs. Should you need to report a flood claim, you can reach us anytime through our 24-hour Claims Hotline.
Even if you live in a high-risk area and/or your community takes part in the National Flood Insurance Program (NFIP) – as most do – you can get coverage. Get a quote and learn how the AARP Flood Insurance Plan from The Hartford can protect your home.

Are You an AARP Member Seeking a Flood Insurance Quote?

The Hartford offers National Flood Insurance Program coverage to AARP members.
It’s easy to get a quote. Call 800-296-7542 to speak with one of our flood insurance specialists. We’re eager to answer your questions and quickly assist you in getting the right flood coverage.
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. Tony and Rita Morello are not Hartford Insureds. FEMA Video - June 14, 2019.
2 https://www.fema.gov/media-library-data/1459189789918-a77ac65fa20237a76f195d5ab1c0b579/FloodRisksWinterFlooding_09_2015.pdf
3 https://www.fema.gov/media-library-data/1433960474369-24c9a46029c1ecbc2dc8b406332579be/FS_FloodRisksFloodAfterFire_May2015.pdf
4 https://www.fema.gov/media-library-data/b9bb674b6b69957399bef7ac6d6fee08/FEMA+L257.pdf
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.
Additional disclosures below.
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 is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.