Flood insurance covers water-related damage from hurricanes, including storm surge, heavy rainfall flooding, and inland flooding caused by tropical systems. However, it does not cover wind damage from hurricanes—that requires a separate windstorm or homeowners insurance policy. This distinction is critical because hurricane damage often involves both wind and water, and determining which caused specific damage can be contentious during claims.
For comprehensive hurricane protection, you need both flood insurance and adequate windstorm coverage. In many coastal states, you may also need a separate hurricane or windstorm deductible on your homeowners policy. Our state-specific guides explain hurricane flood risks in detail for Florida, Louisiana, Alabama, Mississippi, and North Carolina. Get a flood insurance quote to ensure you’re protected before hurricane season.
