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Does FEMA flood insurance cover second homes?

I am purchasing a second home near the water. The area has been known to flood, so I want to get flood insurance. Will FEMA flood insurance cover second homes?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Getting flood insurance for a home near the water is a smart idea! FEMA flood insurance will cover a second home. In most instances, your second home will be defined as your non-primary residence, meaning you live there for less than 50% of the year.
Even if your second home is a non-primary residence, you can purchase flood insurance through FEMA and the National Flood Insurance Program (NFIP). However, you may only be eligible for actual cash value on your home and property if your second home is a non-primary residence.
If your second home qualifies as a primary residence, you should be eligible for
replacement cost
 with NFIP.
That said, FEMA isn’t your only option for flood insurance! Several private insurance companies offer flood insurance in addition to
home insurance
 policies. If you currently have a home or car insurance policy, check with your insurer to see if they offer flood insurance.
If you’re looking for a new home, renters, or car insurance company,
Jerry
 can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings!
MORE:
How to buy flood insurance and file a flood insurance claim
Home InsuranceFlood Insurance
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