Your Home
Flood Exposure Check
Your home policy excludes flood entirely, and flood policies cap out. See what sits above both lines.
Calibrate
Drag to set each value — estimates are fine.
The Replacement Cost tool produces a rough band for this if you are unsure.
What it would cost to replace everything inside. NFIP contents coverage pays actual cash value, so it pays less than this even within its maximum.
FEMA maps zones at msc.fema.gov. Around a quarter of flood claims come from outside high-risk zones.
Flood is never part of a standard homeowners policy; it is always separate.
Flood coverage below the lowest floor is very limited, even when you carry a policy.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Cost to rebuild your home
- Value of your belongings
- Your flood-zone risk (your best guess)
- Do you carry a flood policy?
- Do you have a finished basement?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.