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Including living room furniture, dining room table & chairs, appliances, kitchen ware & food, bedroom furniture, televisions & home entertainment systems, computers & accessories, washers & dryers, accent furniture & accessories, clothes, etc.
Including finished flooring (carpet & pad, wood), doors, base trim, windows, interior wall finishes, kitchen & bath cabinets, repairs to furnace/AC, electrical, plumbing, wall insulation, drywall or paneling, cleaning, etc.
My Home

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Mold & Mildew Damage

After a flood mold and mildew will grow in any area that was soaked.  Professional treatment and repair of any affected structure is essential to create a healthy environment.

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Flooded Bedroom

A flooded bedroom is likely to have to be gutted and replaced from the clothing and mattress to the wall paper, carpet and furniture. Mold and mildew in fabric is not removable and water behind walls and under carpets will have destroyed all the surface materials and possibly the structure too.  Flood insurance will give you peace of mind should your home be flooded.

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House Damage

Flood waters will damage floors, walls, insulation, furniture and electrical connections to the point that they will all have to be replaced to restore a safe environment.  Flood insurance can give you confidence and peace of mind should disaster strike your family.

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Flooded Floor

A flooded wood floor is likely to be warped and damaged beyond repair.  If your floor is covered by carpeting these materials will need to be removed and replaced to prevent mold from growing.

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4'

1"

Your Flood Risk(?) Is: The flood risk indicator score is based on several factors including: flood zone, flood history, elevation and unique flooding characteristics.

Interior Water Depth:

0'1"

Home/Dwelling?

Personal Property?

Your Combined Loss Potential:

$0.00*

Cost of flood coverage as low as:

$14/month

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*Estimates based on national FEMA flood loss tables of cash value loss. Your actual loss amount will vary.

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FloodTools.com calculates estimated flood risk using data from several expert sources.


While we strive to provide to most accurate data available, the accuracy of estimated flood risk cannot be guaranteed.


In order to effectively use our tools to estimate your flood risk and flood loss potential you must understand the limitations of these tools and accept the Terms and Conditions.


Did You Know?


• Everyone has some level of risk for flooding.


• Flooding is NOT covered on a standard homeowners policy.


• Flood insurance can be as affordable as $15/month.


• The average flood claim is over $33,000. (2007-2011)



(To use the Loss Calculator you must accept the terms and conditions.)
*Estimates are for illustrative purposes only and should not be used to estimate any actual flood loss. A flood certified insurance adjuster making a room-by-room, detailed estimate of covered flood damage is the only estimating method approved by and acceptable to the National Flood Insurance Program. These estimated costs are based on preferred rates on an average U.S. home, built on slab and with typical household items. Costs vary from state to state and home to home.Based on a preferred risk policy premium. Some properties will not qualify for a preferred risk policy. Premiums are billed on an annual basis and your premium may vary based on the level of coverage you choose. It is recommended that you purchase flood insurance equal to or greater than your homeowners insurance policy to provide maximum protection.

Flood Quick Facts

  • Fact #1

    Flood damage is not typically covered by a homeowners insurance policy.

  • Fact #2

    If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.

  • Fact #3

    25% of homes with flood claims each year are in low risk zones.

  • Fact #4

    Voluntary flood insurance policies are not enforced until 30 days after purchase.

  • Fact #5

    Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.