FLOOD INSURANCE — NOW AVAILABLE
Is Your Home Protected from Flood Damage?
Standard homeowners insurance doesn’t cover flood damage. Just a few inches of water can cause thousands of dollars in repairs. Get a personalized flood insurance quote through Lightning Coverage in minutes and compare trusted NFIP and private flood insurance options—all in one place.
$52+
Flood damage reported across the U.S. annually*
98%
Of U.S. counties have experienced flooding
~$700
Average annual flood insurance premium**
FLOOD INSURANCE — NOW AVAILABLE
Flooding can happen anywhere.
It only takes a few inches of water to cause serious damage. Protect your home, belongings, and peace of mind with the right flood coverage.
Home policies don't cover it
Standard homeowners and renters insurance excludes flood damage entirely. You need a separate policy.
You don't have to be in a flood zone
Over 20% of all flood claims come from low-to-moderate risk areas. Anyone can flood anytime.
30-day waiting period
Most flood policies take 30 days to take effect. Don't wait until a storm is coming to get covered.
FLOOD INSURANCE — NOW AVAILABLE
NFIP and Private Flood Insurance Options Available
Lightning Coverage gives you access to both NFIP (National Flood Insurance Program) and private flood insurance carriers, allowing you to compare coverage, pricing, and benefits to find the policy that’s right for your home and budget.
National Flood Insurance Program (NFIP)
- Backed by the federal government
- Standardized policy options nationwide
- Available in participating communities
- Ideal for many homeowners and first-time buyers
Private Flood Insurance
- Higher coverage limits available
- More flexible policy options
- Coverage available in many risk areas
- Additional protection for homes and valuables
GET COVERED IN 3 EASY STEPS
Fast, Simple, and Stress-Free.
Protecting your home from flood damage is easy. Compare trusted flood insurance options, choose the coverage that fits your needs, and get peace of mind in just a few simple steps.
Get Your Quote
Enter your address and compare personalized flood insurance quotes from trusted providers in just a few minutes.
Choose Your Coverage
Review NFIP and private flood insurance options, compare coverage and pricing, and select the policy that best fits your home and budget.
Get Protected
Complete your application online and secure your flood insurance coverage. Once your policy becomes active, you'll be protected when it matters most.