Personal Insurance
Flood Insurance
Flood insurance in Arkansas for homeowners and renters, because standard homeowners policies don't cover flood damage.
Standard homeowners and renters policies don't cover flood damage. Flood insurance is a separate policy, available through the National Flood Insurance Program (NFIP) and private carriers, that can help pay to repair your home and replace your belongings after a covered flood.
Flooding isn't limited to high-risk zones. It only takes a few inches of water to cause serious damage, and heavy rain, flash flooding, and rising rivers can affect homes across Arkansas. We'll help you understand your flood zone and compare NFIP and private options.
What Flood Insurance typically covers
Building Property
Helps cover the structure of your home and its foundation, electrical and plumbing systems, HVAC, water heater, and built-in appliances after a covered flood.
Personal Contents
Can help replace belongings like furniture, clothing, and electronics when contents coverage is selected.
Loss Avoidance
May help reimburse reasonable costs to protect your property from an imminent flood, such as sandbags or moving belongings, subject to policy terms.
Debris Removal
Can help with the cost of removing flood debris from your property after a covered loss.
Plan ahead: there's usually a waiting period
NFIP flood policies generally have a 30-day waiting period before coverage takes effect, with limited exceptions such as some new mortgage requirements. If you're near the Arkansas River or in a low-lying area, it's smart to look at flood coverage before storm season, not during it.
Related coverage
Common questions
Does homeowners insurance cover flooding?
No. Flood damage is excluded from standard homeowners policies. It requires a separate flood policy through the NFIP or a private flood carrier.
Do I need flood insurance if I'm not in a high-risk flood zone?
It's optional outside high-risk zones, but many flood claims come from moderate- and low-risk areas. Coverage in lower-risk zones is often more affordable, and we'll help you weigh the cost against your risk.
Will my mortgage company require flood insurance?
If your home is in a designated high-risk flood zone and you have a federally backed mortgage, your lender will typically require it. If you're outside a high-risk zone or have paid off your mortgage, flood insurance is your choice.
Ready to protect what matters with the right flood coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.