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Inland Flood Coverage

Learn how flash flood coverage helps you financially prepare to recover and repair your home from expensive water damage.
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Inland Flood Coverage for Flash Floods

Unexpected flooding can occur to anyone, anytime — whether you live in or near a flood-prone area or not. The good news is that our optional Inland Flood coverage* can help you proactively prepare for the unexpected, such as a flash floods. Let’s take a look at how it works.

Why Do You Need Inland Flood Coverage?

When you consider the fact that flooding events are on the rise due to an increase in severe storms and heavy rains, having flash flood coverage is a smart move for financial protection and peace of mind.
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Homeowners insurance policies do not typically cover floods.*
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A single inch of water can cause up to $25,000 in property damage.**
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Floods are the most common and costly disasters in the US.**

What Is Inland Flood Coverage?

Inland Flood coverage provides protection for homeowners and renters who may not be in a high-risk flood zone but who could experience flash floods or other unexpected sudden flooding. Having this coverage helps you financially prepare to recover and repair your home from expensive water damage due to flooding from these types of events.
Home. It's where you and your family feel safe and secure. It's where memories are made, and dreams are shared. Your home holds so much more than your things. That's why it's so important to protect it from the unexpected. Rising flood waters affect millions of homes throughout the United States every year. Unexpected flooding can happen to anyone, anytime, even if you don't live in or near a flood-prone area. Serious flooding can result from a variety of weather-related events. It only takes one inch of water to cause significant damage to your home. And even though you have homeowners insurance, a standard policy likely doesn't provide flash flood coverage. The good news is there's a simple and affordable way to help protect your home and belongings from damage caused by flash flooding. Inland Flood coverage is easy to add to your current American Family Insurance homeowners policy. This coverage helps you and your family return to the life you enjoy faster and with less financial and emotional strain if your home is damaged from flash flooding. Now's the perfect time to make sure your home has the protection it deserves. Contact your American Family agent today to find out more about the many benefits of Inland Flood coverage. American Family Insurance

Types of Events Inland Flood Insurance Covers

While your policy will explain all covered events, Inland Flood insurance may help cover events like:
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When inland waters, such as streams or rivers, overflow and partially or completely inundate normally dry land.
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Unusual, rapid rain accumulation runoff or snowmelt that doesn’t drain away or soak into the ground.
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When water carries mud and becomes a mudflow.

Benefits of Inland Flood Coverage

  • Less out of your own pocket. Did you know just one inch of water can cause $25,000 worth of damage to a home?*** Repairs and replacement costs would normally come out of your own pocket. This coverage helps you better manage unplanned-for expenses associated with a flood.


  • Comprehensive, flexible coverage. Since a standard homeowners policy doesn’t cover floods, adding flash flood coverage is one more way to add a wider breadth of protection to your home. Plus, coverage limits range from $10,000 to $100,000, so you have the flexibility to choose an amount that matches your specific needs.****


  • Peace of mind. Floods are the most frequently occurring natural disaster in the U.S.** When you add this coverage, you’ll gain peace of mind knowing you’ve proactively prepared for unexpected water damage expenses that can occur from a flood.

Additional Protection Provided

Here’s a quick breakdown (subject to your policy limits**) of how adding flash flood coverage to your main home policy may help better protect your home:


  • Covers damage to your primary residence and other structures on your property, like a shed or detached garage

  • Covers damage that occurs to your personal property, including in a basement or sunken room (sub-limits may apply)

  • Covers personal property you moved to another location for safety after the flood occurred (within the first 30 days)

  • Covers temporary living expenses if your home becomes uninhabitable due to damage from a flood (sub-limits may apply)

  • Covers the cost to remove debris
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Inland Flood Coverage FAQs

Ready to Protect Your Home Against Flash Floods?

At American Family, we’re dedicated to helping you plan for the unexpected. We’re always working on improving our coverage options so you can build a customized policy that best protects your home. Prepare for the unexpected by connecting with your agent and adding Inland Flood coverage today.