Do my husband and I have to buy flood insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Flood insurance is not always required. However, if your home is in a flood zone that is considered higher risk, and you have a loan on the home, you and your husband will be required to purchase flood insurance for the amount of the loan, or $250,000, whichever is less. $250,000 is the maximum amount of insurance available through the National Flood Insurance Program (NFIP).

The zone your home is located in will determine the rates. The greater the likelihood of flood damage, the higher the costs. The rates are set by the NFIP. If you get quotes from multiple agents they should all be the same. The agent enters the address into the NFIP flood system and the zone is provided. Then the agent is able to obtain the correct premium for your home.

Even if you are not in a high-risk zone, you should consider purchasing flood insurance. Just because your home is in a “safer” zone, it does not mean you might not suffer a loss. For example, the city of Nashville, Tennessee was recently flooded, but many areas were not considered in a high-risk zone so many people and businesses did not have flood insurance.

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