Does Flood Insurance Cover Storm Surge Damage?

Flood damage can come from a number of sources. In some cases, damage may come via surface water, like rainwater seeping into walls and causing damage. Other floods can occur due to the subterranean movement of water.

One unique occurrence is due to storm surge damage, which occurs when high winds coincide with large bodies of water, constricting their surface area. These smaller surfaces absorb more wind, leading to possible flooding.

Does flood insurance cover storm surges, though? Let’s go over everything you need to know.

What is a Storm Surge?

A storm surge is a coastal flood caused when a low-pressure weather system, such as a hurricane, causes water levels to rise significantly. It usually occurs when strong winds push water toward the shore, causing water to rise rapidly.

Storm surges can be very dangerous. This is because the combination of a storm surge and the arrival of the high tide can cause the incoming water to reach levels much higher than normal.

It can also cause serious destruction and flooding, damaging structures and washing away shorelines. Storm surges can also erode beaches and contaminate water sources. It is important that people take measures to protect their property ahead of a storm surge in anticipation of the event.

Is Storm Surge Covered Under Flood Insurance Policies?

When it comes to storm surges, the answer to whether or not it is covered under flood insurance policies is a bit complicated. The truth is that it depends on the circumstances and the type of policy that you have.

In most cases, if your property is in an area that has a high risk of storm surge, and you have a policy that covers flood damage, then it is likely that your policy will cover any storm surge-related damage to your property.

However, some policies do not cover storm surges and so it is important to check with your insurance provider to make sure that your policy does provide coverage for storm surges.

Furthermore, some policies may provide coverage up to a specific amount for storm surge-related damage, so it is always a good idea to ask your insurance company about the specifics of your policy before you sign up for coverage.

Contents That Flood Insurance Covers During a Storm Surge

Flood insurance is designed to cover the contents of a property in the event of a natural disaster, such as a storm surge. The type of coverage provided by flood insurance regards the following:


Clothing can be damaged beyond repair if exposed to water for a long period of time; however, most flood insurance policies include some coverage for a homeowner’s clothing. It is important to review your individual policy to be sure of the exact amount of coverage for clothing and other belongings in case of a flooding event. 


Furniture that is covered by flood insurance in a storm surge should include both indoor and outdoor pieces. Sofas, love seats, dining room sets, chairs, and any other type of furniture in the house or yard should be included in a claim. 

Electronic Equipment

Flood insurance covers electronics in the unfortunate event of a storm surge that results in flooding. With flood insurance, any damages to personal items such as computers, televisions, game consoles, and other electronics are covered. 

Window AC Units

Flood insurance is an important investment for homeowners with window AC units, as these types of units can be especially vulnerable to storm surges. Most policies that cover flood damage will also cover any window AC units in the home, regardless of the brand or model. 

Portable Microwaves

When it comes to portable microwaves, most flood insurance policies generally cover the repair or replacement of portable microwaves during a storm surge. Generally, these policies will cover the additional costs related to the clean-up of the interior and exterior of the microwave. 

Portable Dishwashers

When it comes to protecting one’s possessions from a storm surge, portable dishwashers are no exception. They need protection too! This coverage typically pays towards replacing or repairing damaged items, minus the deductible. It is important to note that flood insurance will not cover the dishwasher itself but any damage caused to it by the surge.

Freezer and Frozen Food

Flood insurance will cover the contents of your freezer and frozen food if it is damaged or destroyed during a storm surge. This includes any food that was purchased, stored, or had been used or prepared prior to the storm. It will also include food that was frozen or stored in any freezer or refrigerator that was permanently attached to the structure.

Up to $2,500 in Valuables

The storm surge can cause extensive damage to any property it washes over. Homeowners who are worried about their investments can be relieved to know that many flood insurance policies will cover the cost of replacing up to $2,500 worth of valuables.

This is during a catastrophic event. This includes items such as arts, furs, antiques, and other collectibles that can suffer significant damage or be destroyed by storm surge waves.

How to Buy Flood Insurance Coverage for Storm Surge Damage

When buying flood insurance coverage for storm surge damage, it is important to first ensure the type of surge covered by your current policy. A storm surge can occur rapidly. It can lead to significant damage.

Knowing what type of surge coverage is included in your policy will help you decide if you need additional protection. When shopping for flood coverage, take the time to find out if the insurance company offers discounts for bundling multiple policies. Compare prices to ensure you are getting the best deal.

Finally, ask questions about reimbursement limits and read the policy closely before you commit to purchase. Doing all of this will provide you with the peace of mind that your home and its belongings will be covered. If you’re torn between NFIP vs Private Flood Insurance, consider checking some online resources to help you get the best option.

Explore Flood Insurance Coverage During a Storm Surge

In conclusion, it is clear that flood insurance does not typically cover storm surge damage. However, homeowners can take steps to protect their homes from damage. This is through flood-proofing, elevating, and other preventative measures.

As storm surge incidence continues to increase due to climate change, it’s important for homeowners to look into their options for protecting their homes. Talk to your insurance agent about coverage for storm surge damage.

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