Understanding Flood Insurance: Protecting Your Home During the Pacific Northwest Flooding

Right now, parts of Washington and Oregon are experiencing significant flooding. Many homeowners are asking: “Does my homeowners insurance cover flood damage?” The answer is often no. Standard homeowners insurance typically does not include flood coverage.

Why Standard Homeowners Insurance Isn’t Enough

Floods caused by overflowing rivers, heavy rains, or flash floods usually aren’t covered under a typical homeowners policy. That’s why separate flood insurance is essential for protection.

What Flood Insurance CoversFlood insurance, often backed by the National Flood

Insurance Program (NFIP), generally covers:

- Structural damage to your home

- Damage to personal belongings

- Temporary living expenses if you need to relocate

Keep in mind there’s usually a 30-day waiting period before coverage goes into effect, so it’s not something you can buy at the last minute.

Steps You Can Take Today

- Review your current homeowners policy – check what is and isn’t covered.

- Contact your insurance agent – discuss flood insurance options.

- Document your property – take photos and inventory your belongings to help with potential claims.

- Stay informed – follow local flood warnings and emergency guidance.

Flooding c

an happen anywhere, and having the right coverage can make all the difference. Oregon homeowners, we are here to help you understand your options and get the protection you need. Reach out today to review your policy and see if flood insurance is right for you.