Flood insurance covers direct physical damage caused by flooding to your home’s structure and, if you buy it, your personal belongings.
NFIP policies cover up to $250,000 for the building and $100,000 for contents on a single-family home.
- Building coverage: foundation, electrical and plumbing systems, HVAC, water heaters, built-in appliances, cabinets, flooring, and detached garages.
- Contents coverage: furniture, clothing, electronics, and portable appliances. This must be purchased separately.
- Not covered by NFIP: vehicles, which need auto Comprehensive coverage; temporary living expenses; money; and most items in basements.
Private flood policies may offer higher limits and additional living expenses, which can matter for higher-value California homes.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and beyond compare options from multiple carriers.
Related FAQs
Flood insurance costs vary widely, from a few hundred dollars a year for many lower-risk homes to several thousand dollars for high-risk properties near water. Under FEMA's Risk Rating 2.0, ...
No. The California FAIR Plan mainly covers fire, lightning, smoke, and internal explosion. It does not cover flood. The FAIR Plan is the state's insurer of last resort for homeowners ...
It's strongly recommended. Nationally, more than 20% of flood insurance claims come from properties outside high-risk flood zones. In early 2023, atmospheric river storms caused flooding and landslides across Orange ...