Definition
Inland flood insurance covers water damage from heavy rain, burst pipes, and overflowing waterways—not standard FEMA-defined flooding.
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Inland flood insurance is separate from standard flood insurance and covers water damage from non-weather sources like ruptured plumbing or failed sump pumps. It's often cheaper than FEMA flood insurance for properties in low-risk areas. Coverage includes water damage to structure, personal property, and additional living expenses. Standard homeowners policies exclude water damage, making flood insurance essential in flood-prone areas or for peace of mind.
Pro Tip
Obtain inland flood insurance if your area experiences heavy rain, even outside official flood zones.
Example
Inland flood insurance covered $50,000 in damages when a water heater burst and flooded the basement.