Flood Insurance [ 8K – UHD ]

The NFIP typically pays Replacement Cost for primary residences (building only) but uses Actual Cash Value (depreciated value) for personal property. 2. Top-Rated Providers (2026) Review of U.S. Private Flood Insurance - Fitch Ratings

Covers the physical structure, including the foundation, electrical/plumbing systems, central air, and built-in appliances (up to $250,000 for residential). flood insurance

Covers belongings like furniture, electronics, and clothing (up to $100,000 for residential). The NFIP typically pays Replacement Cost for primary