Flood Insurance

Protect your home from flood damage. Get a flood insurance quote online today.

Get Affordable Flood Insurance for Your Home

For too long, flood insurance has been expensive, complicated, and limited in its protection. That’s why Kin is proud to offer flood insurance that can be added on to your home insurance policy.

No separate policies. No separate deductibles. Just affordable, easy coverage.

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Flood Insurance

for as little as


per year

Kin Flood Insurance Benefits

Kin Flood Coverage vs. NFIP Flood Coverage

Because flood insurance is the only type of coverage that can pay for damage to a home caused by storm surges, it’s important this protection is affordable and readily available to homeowners who need it most.

Available Coverage Kin NFIP
Covers insured up to policy limits for dwelling, personal property, and other structures Yes No, maximum $250k for dwelling, $100k for personal property
Offers replacement cost coverage Yes Yes
Effective immediately Yes No, 30-day waiting period
Elevation certificate required Optional Yes
Offered as an endorsement Yes No
Available for seasonal homes Yes Yes, but at an additional cost

What Does Flood Insurance Cost?

The average annual cost of flood insurance in the US is $958 when you buy it from the National Flood Insurance Program (NFIP). In Florida, it’s $597 per year. Depending on which flood zone your home is in, your flood insurance rates can range anywhere from $190 to $2,000.

Premiums vary because the cost of flood insurance is based on:

  • Where your home is located.
  • What its elevation is.
  • The deductible and coverage limits you chose.

But where you buy flood insurance impacts your premium, too. A recent study found that 77 percent of homes in Florida could get lower rates through private flood insurance rather than the NFIP. For example, Kin’s average flood insurance cost for Flood Zone X is $175 per year. That’s about $14 per month – less than the price of two lattes – to keep your home ready for whatever the weather throws at you.

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What Is Flood Insurance?

Flood insurance covers storm surge damage to your property, other structures and personal belongings. While standard home insurance can cover water damage from internal sources, like a burst pipe, it doesn’t covers damage caused by floods. Only flood insurance can do that.

Floods occur when two or more acres of normally dry land are inundated by water or mudflow. And they happen more often than you might think.

Every region of the United States experiences floods, according to the Federal Emergency Management Agency (FEMA). In fact, 90 percent of all natural disasters in the country involve some kind of flooding. About 20 to 25 percent of flood claims happen in areas considered low risk for floods.

The kicker? Even one inch of standing water costs $23,635 in structural repairs to a one-story home.

That’s why flood insurance is so important, especially if you own a home in Florida.

  • 90%

    of all natural disasters in the country involve some kind of flooding

  • 25%

    of flood claims happen in low-risk areas

  • $23,635

    the average cost of structural damage caused by one inch of water

What's Covered?

  • Electrical, heating, cooling, and plumbing systems.
  • Appliances

    Refrigerators, stoves, washers, and dryers.

  • Built-in bookcases, cabinets, and paneling.
  • Foundation, walls, anchorage systems, and staircases attached to the structure.
  • A detached garage.
  • Personal property

    Clothing, furniture, and electronic equipment that isn’t stored in the basement.

  • Valuables, like artwork and furs

    Up to $2,500 in value

  • Flood policies also offer coverage for groundwater seepage, mudslides, and floods caused by broken water mains.

What's Not?

  • Moisture or mold/mildew damage that the homeowner could’ve prevented
  • Currency, precious metals, and paper valuables
  • Outdoor property

    Landscaping, patios, fences, decks, septic systems, and pools

  • Additional living expenses when a flood makes the home uninhabitable
  • Cars and other vehicles
  • Earthquakes and earth movements caused by floods
  • Flood insurance also usually won’t cover water damage to personal belongings in basements and crawl spaces

Is Flood Insurance Required?

That depends on where you live and what your mortgage situation is like. For example, if your home is in a high-risk flood zone or Special Flood Hazard Areas (SFHAs) – locations with 25 percent chance of being flooded within 30 years – and you have a mortgage through a federally backed lender, you’re required to have flood insurance. Many mortgage lenders require flood insurance if your home is near a body of water, too.

Do You Need Flood Insurance If You Don’t Have a Mortgage?

If you don’t have a mortgage, you may not be required to buy flood insurance, but it’s risky not to. The Florida panhandle, the Gulf of Mexico, the Atlantic Coast, and the Mississippi River, and even areas in the Rockies face the threat of floods.

Up to 25 percent of all flood claims happen in low- to moderate-risk areas. That’s why even if you aren’t required to have flood insurance in these areas, it’s still a smart investment.


25% of all flood claims come from low to moderate-risk flood areas.

How Much Flood Insurance Do I Need?

If you have a mortgage, you’ll usually be required to have flood insurance equal to the cost of developing your property or up to the maximum coverage limit available – whichever is lower.

Another useful benchmark is to have coverage equal the value of your home, other structures, and belongings. Your insurance provider can help you determine what makes sense for your needs.

When Should Homeowners Buy Flood Insurance?

Get flood insurance before you need it. No insurance policy will retroactively cover flood damage you already have, so it’s important to have flood coverage in place before a disaster strikes. Consider purchasing flood insurance well before flood and hurricane seasons begin.

If you’re looking at flood policies during hurricane season, be aware that a tropical storm warning may delay your ability to purchase coverage if there’s a moratorium.

Kin’s flood coverage is effective as soon as you buy it, but National Flood Insurance Program policies don’t take effect until 30 days after purchase. Keep those timetables in mind when shopping.

How to Get Flood Insurance

While you can’t purchase flood insurance directly from the National Flood Insurance Program, you can purchase flood insurance directly from Kin. Just apply for a flood insurance quote online – we’ll handle the rest.

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