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Flood Insurance

Flood Insurance Information

What is Flood Insurance?

Flood insurance is a separate policy designed to help protect your home and belongings if they are damaged in a flood. The insurance definition of flood is very different from our everyday usage of the word flood. Many of us would think of our basement becoming flooded if a water pipe bursts and water gets everywhere. Yes, that might be a flood to you, but that would NOT qualify under the definition of a flood when it comes to insurance. In fact, your burst pipes would be covered under your homeowners insurance. It is important to understand what constitutes a flood and what does not. 

Insurance Definition of Flood

The National Flood Insurance Program (NFIP) has created the definition of a flood in your New York flood policy as follows:

A flood is a general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land, or of 2 or more properties (at least one of which is the insured's property).

Floods may be caused by:

  • Overflow of inland or tidal waters;
  • Unusual and rapid accumulation or runoff of surface waters from any source;
  • Mudflow (a river of liquid and flowing mud of surfaces of normally dry land) and collapse; or
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or  undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.

These do not meet the definition of a flood and are excluded from coverage: landslides, backup of sewers unrelated to a flood, windblown rain, snow, or sleet. Flood that is within the insured's control will not be covered. 

There's something you should know: Flood losses are not covered by your homeowners insurance policy.  The coverage in flood policies and homeowners policies do NOT overlap. If you want protection from a flood, you need to buy a flood insurance policy. 

Let us help you find the right coverage

At Pepe Insurance, we have access to a few flood insurance companies. We will help you find the right coverage so that your home is protected in case of a flood.


Get a flood quote here!

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