Flood Insurance in Washington

Protect Your Home from the Damage Most Policies Don’t Cover

Many homeowners are surprised to learn that standard home, condo, or renters insurance does not cover flood damage. And in Washington, flooding can happen anywhere—not just near rivers or coastlines.


At Strategy Insurance Brokers LLC, we help you secure flood insurance that fills this critical gap—so when water rises, your financial security doesn’t wash away with it.

What Does Flood Insurance Cover?

Flood insurance covers damage caused by rising water—not just rain or leaks. Coverage typically includes:

Building Coverage

Protects your home’s structure: walls, foundation, electrical, HVAC systems, appliances, and flooring.

Contents Coverage

Covers personal belongings inside your home, such as furniture, electronics, and clothing.

Cleanup & Debris Removal

Helps cover the cost of clearing out damage and restoring your property.

Flood insurance is available through the National Flood Insurance Program (NFIP) and private carriers.

Who Needs Flood Insurance?

Flood risk isn’t limited to FEMA-designated zones. We recommend flood coverage for:


  • Homeowners in high- or moderate-risk flood zones
  • Manufactured or mobile home owners
  • Condo and renters in flood-prone areas
  • Anyone near rivers, lakes, or urban stormwater systems
  • Property owners with basements or ground-level structures

Flood Insurance FAQs

  • Isn’t flood damage covered by my homeowners insurance?

    No—standard homeowners, renters, or condo policies do not cover damage from flooding. You need a separate flood policy.

  • What counts as a “flood” for insurance purposes?

    A flood is defined as water covering at least two acres or affecting two or more properties caused by overflowing water, heavy rainfall, or rapid snowmelt.

  • How do I know if I’m in a flood zone?

    We can check your FEMA flood zone classification and help you understand your level of risk—even if you're not officially in a high-risk area.

  • Can I get flood insurance if I’m not in a flood zone?

     Yes—and often at a lower cost. Many Washington homeowners outside high-risk zones choose flood coverage as a smart precaution.

  • Is flood insurance required by my lender?

    If you're in a designated high-risk flood zone and have a mortgage, your lender will likely require it. Even if not required, it’s still strongly recommended in many areas.

  • Can I combine flood insurance with my homeowners policy?

    Flood insurance is typically a separate policy, but we can help manage it alongside your existing coverage for a seamless experience.