Name: Flood Insurance
Brand: FIG Insurance

Question 1

Do I need flood insurance in Idaho?

Accepted Answer

If you're in a FEMA-designated flood zone and have a federally backed mortgage, flood insurance is required. Even if you're not in a high-risk zone, flooding can happen anywhere — over 25% of flood claims come from low-to-moderate risk areas.

Question 2

What does flood insurance cover?

Accepted Answer

Flood insurance covers damage to your building's structure and its contents caused by flooding — including storm surge, river overflow, heavy rain runoff, and snowmelt. It does not cover damage from sewer backups unless specifically endorsed.

Question 3

How much does flood insurance cost in Idaho?

Accepted Answer

NFIP flood insurance averages $700–$1,500 per year depending on your flood zone, property type, and coverage amount. Private flood insurance may offer lower rates or higher coverage limits. FIG compares both options.

Question 4

What is the difference between NFIP and private flood insurance?

Accepted Answer

NFIP is the federal flood insurance program with standardized coverage limits ($250K dwelling, $100K contents). Private flood insurance can offer higher limits, broader coverage, and sometimes lower premiums. FIG helps you compare both.

Question 5

Is there a waiting period for flood insurance?

Accepted Answer

NFIP policies have a 30-day waiting period before coverage begins. Some private flood insurers offer shorter waiting periods. Plan ahead — don't wait until a storm is forecast to purchase coverage.

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