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A Foremost Flood Unit representative can help you determine your flood risk and type of coverage to purchase. Call today for a quote, 1-866-865-2965 from 9 a.m. to 5 p.m., ET, Monday–Friday
Floods are the most common natural disaster, causing more than $2 billion in property damage every year. Just a few inches of water can cause unexpected damage to your home. If you choose to purchase your National Flood Insurance Program policy through Foremost, one of our Foremost Flood Unit representatives will help you get the coverage you want in the event of a flood.
If your community participates in the National Flood Insurance Program (NFIP), Flood insurance is available for single family residences, condo owners and associations, renters, mobile and manufactured homes, commercial structures and other residential structures regardless of your flood risk.
Most buildings and their contents in a low- to moderate-risk areas are eligible for a low-cost Preferred Risk policy. A Preferred Risk policy offers two types of coverage: building and contents combined or contents-only. Rates start as low as $119 a year for homeowners and as low as $39 a year for renters.
If you live in a low- to moderate-risk area and you don't qualify for a Preferred Risk policy due to multiple flood losses on your property, a Standard Risk policy is available.
Customers in High-risk areas can purchase Standard Risk coverage for the building only, contents only or for both the building and contents.
Based on the value of your building and its contents, coverage is available up to the following maximum limits of the National Flood Insurance Program:
If you need coverage beyond these amounts, you may be eligible for a separate Excess Flood policy. Ask our Foremost Flood Unit representative today at 1-866-865-2965.
Flood insurance policies cover direct physical loss by or from flood to your building and personal property. The following is an overview of items that would be eligible for coverage subject to the coverage purchased. For complete coverage information, please our Foremost Flood Unit to request a sample policy at
Coverage for basements and property in them is limited regardless of flood risk.
A Foremost Flood Unit representative can help you determine your flood risk and type of coverage to purchase. Call today for a quote, 1-866-865-2965 from 9 a.m. to 5 p.m., Eastern time, Monday through Friday.
Flood insurance is available in all 50 states, as long as your community participates in the National Flood Insurance Program (NFIP), except in Coastal Barrier Resources System (CBRS) areas. Call the Foremost Flood Unit today at 1-866-865-2965 to find out if your community participates. Representatives are available to help you from 9 a.m. to 5 p.m., Eastern time, Monday through Friday.
Most flood policies have a 30-day waiting period before coverage begins, so call for a quote today.
Devastating floods can occur throughout the United States anytime of the year. Here are some things you should consider about floods and Flood insurance.
Call the Foremost Flood Unit today for a quote, toll-free, at 1-866-865-2965, from 9 a.m. to 5 p.m., Eastern time, Monday through Friday.
(All flood facts and statistics from the National Flood Insurance Program Website, FloodSmart.gov.)
You don't need to live near a dam or a river to experience a flood, a flood can occur anywhere it rains. Flooding can be quick and unexpected, and a few inches of water can cause thousands of dollars in damage to your home. Almost one quarter of flood claims come from areas deemed low-to-moderate risks areas according to the Federal Emergency Management Agency (FEMA). It's important to be prepared for a flood, no matter where you live.
Before a flood happens in your area or home, familiarize yourself with the following terms to best understand the hazard you may be facing:
The best way to minimize damage to your home or the risk of danger from a flood is to plan ahead. A flood can often happen very quickly, leaving you with little time to do anything but evacuate. Here's how you can help make sure your family is ready to properly react in a flood:
You should also consider flood insurance. Most homeowners policies do not provide coverage for flood. Check your policy's Declarations Page to see if flood coverage is listed. You can purchase a flood insurance policy from the National Flood Insurance Program (NFIP) issued by Foremost, as long as your community participates in the NFIP. Click here to learn more. Note that while you can purchase flood insurance at any time, there is a 30-day waiting period after you've applied and paid the premium before your policy is effective.
Floods are one of most common weather dangers in the U.S. and cause millions of dollars of damage each year. If you find yourself caught in a flood, the most important thing you can do is make sure you and your family are safe.
If a flood is threatening your home or your car, listen for information and instructions on the television or radio. If a flash flood is occurring and you are at high-risk, grab your emergency kit (with drinking water, non-perishable food, first-aid materials, blankets, a battery-powered radio, a flashlight and extra batteries) and your family and immediately move to higher ground. Don't wait for evacuation instructions during a flash flood.
If you have time before a flood affects your home and a flash flood isn't a threat, you should activate your flood plan. Start with moving your valuables to upper floors and securing your outdoor belongings. Turn off utilities at the main valves. Disconnect any electrical appliances, but not if you are wet or standing in water. Listen to the television or radio and follow any instructions. You should be ready to evacuate. Close and lock your doors and windows. Have your emergency kit handy, as well as you car keys, a charged cell phone, credit cards and insurance information.
Once you leave your house, make sure you are aware of the dangers you could encounter while trying to get to higher ground. Here are some rules:
Again, the most important thing for you to do in a flood is to make sure you and your family are safe. When it comes to minimizing damage and increasing safety during a flood, it is beneficial to prepare. Follow the guidelines on what to do before a flood and consider flood insurance. Most homeowners policies do not provide coverage for flood. Check your policy's Declarations Page to see if flood coverage is listed. You can purchase a flood insurance policy from the National Flood Insurance Program (NFIP) issued by Foremost, as long as your community participates in the NFIP. Click here to learn more. Note that while you can purchase flood insurance at any time, there is a 30-day waiting period after you've applied and paid the premium before your policy is effective.
The recovery from a flood can be an expensive and intensive process. As soon as the floodwaters have receded and officials have OK'd returning, you can begin any work needed restore your home. Here are some guidelines to start the process.
When you are given the OK to go back to your home, make sure you bring the following:
Before re-entering your home after a flood, it's important to make sure your structure is safe:
You should also file a claim with your agent or the insurance company that issued your flood policy. Make sure your agent and adjuster have a phone number you can be reached at, especially if you aren't able to stay in your home.
After you've surveyed your structure and made sure it was safe to enter, it's time to start separating the damaged and undamaged items. Here are some tips:
It's very important that you listen to news reports to learn when your community's water supply is safe to consume through drinking, cooking or personal hygiene. Until then follow these precautions:
This is just the start of a lengthy repair process for a flooded home. Make sure you're diligent with your repairs and your record keeping to ease the recovery and claim process.
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Foremost Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.
Availability: The AARP® Mobile Home Insurance Program from Foremost is offered in most states but may not be available in your area at this time. This program is unavailable in certain Florida Atlantic and Gulf Coast counties, Washington D.C. , Hawaii, Puerto Rico and the Virgin Islands. Products, coverages, coverage amounts and discounts may vary by state and may not be available in all areas.
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Some coverages are not part of the policy unless you purchase them. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases.
Foremost Express Insurance Agency, Inc. is a subsidiary of FCOA, LLC.
*Information from the Foremost Mobile Home Market Facts Survey (2018)
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