Flood insurance in California
Homeowners insurance does NOT cover floods. If you live in a risk zone, this coverage is essential — and we help you get it.
Coverage options
Building structure
Covers structural damage to your home from flooding: foundation, walls, floors, electrical and plumbing systems.
Why choose Auto International
NFIP and private insurers
Access to the National Flood Insurance Program (NFIP) and private options with better coverage.
Not only for high-risk zones
20% of flood claims come from low-risk zones. The climate is changing.
We check your FEMA zone for free
We help you identify if your property is in a Special Flood Hazard Area (SFHA) according to FEMA maps.
Required by many lenders
If you have a mortgage and your property is in a flood zone, flood insurance is mandatory.
Frequently asked questions
Does homeowners insurance cover flood damage?
No. Floods are a standard exclusion in all homeowners policies. Flood damage — including heavy rains, river overflow or storm surge — requires a separate flood insurance policy.
How long does it take for flood insurance to take effect?
NFIP policies have a 30-day waiting period before taking effect. Private policies may activate faster. Don't wait for a storm warning to enroll.
Do I have to live in a flood zone to need this insurance?
No. California has experienced unexpected flooding in historically dry areas. Climate change and La Niña effects are broadening flood risk.
