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Free self-assessment

What does flood insurance cover in my basement?

See what NFIP and private flood policies pay for in a basement, and what they don't. Pick your basement type and watch the picture change.

What kind of basement is it?

This is the first question that matters. A walkout has at least one side where the floor is at ground level, usually with a door to the yard.

Is it finished?
Which kind of policy?

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Call Chris: 205-451-4294

This is general guidance, not a policy. NFIP results follow the Standard Flood Insurance Policy's basement rules, where a basement is any area with its floor below ground level on all sides. Private flood policies vary by carrier, so we confirm exactly what's covered before you buy. Always check with your lender for the exact flood insurance requirements on your loan.