Flood Insurance - Kentucky Farm Bureau

Flood Insurance

flood insurance

Just one inch of water in a home can cause more than $25,000 in damage, according to the National Flood Insurance Program (NFIP).

Homeowners and renters policies written through most insurance providers across the U.S. (including Kentucky Farm Bureau Insurance) do not protect against flood damage. A majority of flood insurance nationwide is written through the NFIP, which is administered by the Federal Emergency Management Agency (FEMA). Kentucky Farm Bureau Insurance offers flood insurance through this service. Contact your local Kentucky Farm Bureau Insurance agent today to learn more about how we can help protect you with an affordable flood insurance plan.

The NFIP aims to provide affordable insurance to property owners, renters, and businesses nationwide. Want a quote? Click here to begin the easy quote process through Southern Farm Bureau Casualty Insurance CompanyTM.

FIND A LOCAL AGENT

Do I need flood insurance?

Anywhere at risk of rain is at risk of flood. Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year, according to the National Flood Insurance Program (NFIP). Homeowners and renters policies written through Kentucky Farm Bureau Insurance do not cover flood damage. 

Flood insurance is a great extra layer of protection no matter where you live. If you live in a "high risk" area, you may be required to have flood insurance, but floods can happen anywhere. In fact, more than 20 percent of flood claims come from properties outside the high risk flood zone, according to the NFIP. 

For more valuable information from the NFIP, click here.

Coverage options

Click here for a PDF prepared by the National Flood Insurance Program to help you understand your flood insurance policy. It provides general information about deductibles, what is and is not covered by flood insurance, and how items are valued at time of loss.

What to Do if you experience property damage or loss due to a flood

Policyholders can report a flood claim through Southern Farm Bureau Casualty Insurance CompanyTM by clicking here.

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Ward, the leading provider of benchmarking and best practices studies for the insurance industry, lists Kentucky Farm Bureau Mutual Insurance Company as one of the top 50 performing property/casualty companies in the industry. This award recognizes outstanding financial results in the areas of safety, consistency, and performance over the past five years. Kentucky Farm Bureau Insurance is also rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

Ward, the leading provider of benchmarking   |  one of the highest ratings awarded by the A.M. Best Company   |  Kentucky Farm Bureau Mutual Insurance Company BBB Business Review

Life's Blueprints: A KFB Insurance Blog

Information that will help keep you and your loved ones safe and savvy – whether you’re on the road or in your old Kentucky home.

5 gadgets anyone can use for a safer, smarter home
5 gadgets anyone can use for a safer, smarter home

Embracing smart home technology can seem incredibly daunting at first, but through simple, app-based controls, professional installation services, and affordable price points, anyone can make their home a little more intelligent.

Don't toss that! 5 items that should never go in the trash
Don't toss that! 5 items that should never go in the trash

Have you ever wondered what to do with dead batteries, broken electronics, and burnt-out light bulbs? Read on to find out which common household items often wrongfully end up in the trash – and what you should do with them instead.