Home Flood Insurance

Depend on Universal for the right protection.

Floods usually strike without warning. They're always swift and severe. The threat often comes from events like hurricanes or heavy storms, but they can also occur after a drought or wildfire, when vegetation that would normally absorb excess water is no longer there. So it's important to be prepared.

woman and child standing in flooded street in front of house

5 Reasons Flood Protection can't wait:

Every home is at risk, with floods and flash floods recorded in all 50 states regardless of terrain or climate.

Almost 25 percent of all flood insurance claims come from areas designated as "minimal flood risk."

Flood damage is not covered under most homeowner insurance policies.

Federal disaster assistance often comes in the form of a loan with interest, and it's only available if the President formally declares a disaster.

Even after flood insurance is purchased, there may be a 30-day waiting period before coverage begins.

Our Flood Protection is on solid ground.

Universal Flood Protection is offered in partnership with the National Flood Insurance Program (NFIP), which means our coverage is solidly backed by the federal government. Under NFIP guidelines, almost every home in participating communities is eligible for flood insurance, and policyholders will enjoy these added benefits:

Unlike many federal disaster relief packages, there's no loan to repay.

Coverage can be extended to protect valued personal belongings.

Once coverage is in force, immediate relief may be available through advances or partial payments.

To learn more about the National Flood Insurance Program, visit FEMA.

Download our Flood brochure as a PDF

Easy online access

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