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Do you need flood insurance?

If repairing your home after a flood could leave your finances in despair, you may want to consider a flood insurance policy.

Floods are the nation's most common and costly natural disaster.

More than 20% of flood claims are not in flood zone areas.

Damages from just 1 inch of water can cost more than $20,000.

Most homeowners and renters policies don't cover flood damage.

If you live in a flood zone, you will likely be required to carry a policy.

What's covered?

Your Johnson Insurance flood insurance policy is provided through the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA). 

Essential Systems and Appliances

Major ticket items that keep your home functional including electrical, plumbing, furnaces, air conditioning, refrigerators, ranges, dishwashers, washers and dryers, etc.

Your Buildings

Your overall home and garage is covered, and your foundation, anchorage systems and staircases may be repaired or replaced. 

Personal Property and Valuables

In general, your clothing, furniture, electronics and valuables are covered.

What's not covered?

Even with a flood insurance policy, there may be some cases where damages are not covered.

Earth Movement and Mold Damage

Damage caused by earth movement (even as a result of flooding) is likely not covered. Damage caused by mold and mildew is not covered if it could have been avoided.

Living Expenses

If you are required to find alternative housing while your home is being repaired, these expenses will be out of your pocket.

External Property

Property outside of your building may not be covered including decks, trees, wells and septic systems, fences, swimming pools, etc.

We can also help you with...

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Homeowners Insurance

Your home is likely one of your largest investments. You deserve to have peace of mind that your home and the possessions inside are protected from life’s unexpected events.

Learn More about home and condo insurance

Help & Support

FEMA Flood Insurance 

Have Questions?

We're here to help.

Give us a call at 800.236.5546

Email Us Click here to email us.

Related Resources

Andrea Thunhorst
Andrea Thunhorst, Personal Insurance Sales Executive, Kenosha, WI

Advisor and an Advocate

If the unexpected happens, service and responsiveness become as important as the dollar value of your coverage. Having an advisor on your side means you'll have a personal advocate working with you and looking out for your best interests while handling your claim.

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