Flood Insurance

You may not think of your home as being in a flood zone, until the day you come home during a heavy rain and find that water is seeping into your basement from a crack you never knew about. 

Just one inch of water can cause damage to your home — and to your wallet. But it doesn’t have to hurt financially. Flood insurance through Westfield covers you against unexpected water damage.

Our agents are here to help explain flood insurance and walk you through insurance options.

Why Get Flood Insurance?

The reality is that everyone is a potential victim of a flood, whether they know it or not. Of course, some areas have a higher risk. Flooding is the most common and expensive kind of natural disaster in our country.

Nonetheless, flooding can be caused by any number of events, such as:

  • Heavy rain
  • Melting snow
  • Tropical storms or hurricanes
  • Levee or dam failures

Unfortunately, most homeowner’s policies don’t cover flood damage. You have to buy specific flood insurance for that.

You also might be required to carry flood insurance by your mortgage lender. If you don’t purchase that coverage, you could delay the closing on your new home. 

Flood insurance is only required by your lender if your property is in a high-risk, Special Flood Hazard Area (SFHA).  Even if you live outside of an SFHA flood zone, you could still have flood risk. In fact, up to 20% of all flood claims happen to those properties outside of high-risk flood zones.  Fortunately, for these low-risk flood zones, inexpensive flood policies called “preferred risk” policies are available. 

National Flood Insurance Program

Westfield works with FEMA’s National Flood Insurance Program (NFIP) to provide flood coverage through our network of independent agents. 

The program doesn’t just offer coverage. It also provides information to help you understand floods, your risks and how to protect yourself. To learn more about your home’s flood risk, go to www.floodsmart.gov and type in your address.

Discover More Coverage Options

Westfield is committed to helping you protect your home and your property in every respect. We offer a range of products and coverages designed to give you peace of mind as a homeowner. 

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Connect with a Westfield Agent

Independent Westfield agents are ready to help you understand your flood risks and find the coverage you need to protect your home and your family. Use our online tool to find an agent near you today.


Independent Westfield agents are ready to help you understand your risks and find the coverage you need. Use our online tool to find an agent near you today.

Find an Agent


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