Flood Insurance

Protect your assets in the event of a disaster

Related resources for Chicagoland homeowners

Flood insurance is only one piece of the picture. Sewer backup and basement water damage are common here — and they are not the same as FEMA flood coverage.

Insurance Glossary

Plain-language definitions for flood insurance, sewer backup, deductibles, exclusions, and other policy terms.

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How to Protect Your Home from Losses

Interactive home diagram — features carriers often review on a homeowners policy.

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Sewer Backup vs Flood Guide

Compare sewer backup endorsements, overland water, and flood policies for Illinois homes.

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Basement Water Risk Checker

Use our educational checklist to see what is worth reviewing on your home policy before storm season.

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Just because you do not live in a high flood risk area does not mean it'll never happen to you. Standard homeowners policies usually have a flood exclusion; flood insurance (including NFIP) is a separate policy with its own deductible, and it is not the same as a sewer backup endorsement.

Debunking the three myths surrounding insurance for flooding

There are three major myths about flood insurance that mean you could be taking an unnecessary risk.

Flooding is a risk no matter where you live

The first myth is that flood insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.

Homeowners policies don’t typically cover damage from floods

Another myth is that homeowners insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren't covered unless your homeowners policy specifically says otherwise.

Only a small percentage of homes are covered by government programs

The third myth is that government programs have taken care of flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.

The difference between having and not having a flood policy

For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply cannot afford to take.

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Frequently Asked Questions

What does flood insurance cover?

Flood policies typically cover building damage and contents from rising water, overflow, and similar events. Coverage details vary by carrier and whether you use a private policy or the National Flood Insurance Program.

Does homeowners insurance cover flooding in Illinois?

Standard homeowners policies usually exclude flood damage. Many Chicagoland homeowners assume they are covered until a heavy rain or drainage failure causes a loss—flood insurance is often purchased separately.

Do I need flood insurance if I am not in a high-risk zone?

Flooding can happen outside mapped floodplains. Lenders may require coverage in certain zones, but even when it is optional, a separate flood policy may be the only way to protect your property from water-related losses.

How is flood insurance different from sewer backup coverage?

Sewer and drain backup endorsements on a home policy address different causes than true flood coverage. Older Chicagoland neighborhoods often benefit from reviewing both, especially after wet seasons.

How does an independent agency help me compare Flood options?

As an independent agency in Roselle, we compare Flood Insurance options from multiple carriers instead of a single company menu. That helps Illinois clients find coverage that fits their risks, contracts, and budget—with local follow-up when questions or claims come up.