Last Updated: 04/18/2025
Not enough votes for recommendation
Rating not yet determined3 total votes
Explore a similar product
Try this top product in Flood Insurance
Pilgrim Insurance Company
Strongly recommended6 reviews
Compare All Flood Insurance
Filter & compare all your options in one place.
Highlights
Financial Strength Rating
A+(Verified 04/18/2025)
Nationwide Flood Insurance Review
Nationwide Flood Insurance is an insurance carrier based in Columbus, OH. The company was founded in 1926 and offers flood insurance in 41 states (and Washington, DC). Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.
Nationwide Flood Insurance FAQ
What types of coverage does Nationwide Flood Insurance offer?
Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Nationwide Flood Insurance only offers federal flood insurance policies..
NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.
- Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.
- Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
- Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.
Nationwide Flood Insurance customers can also add the following riders or endorsements to their home insurance policies:
- Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Nationwide Flood Insurance home insurance policy?
When you ask for a quote with Nationwide Flood Insurance, make sure you ask for all the discounts you qualify for.
- Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
- Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Nationwide Flood Insurance.
What additional benefits does Nationwide Flood Insurance offer?
Nationwide Flood Insurance offers the following benefits to its customers:
What is the financial strength rating of Nationwide Flood Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Nationwide Flood Insurance scores an A+, SuperMoney's highest available rating.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Nationwide Flood Insurance
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Nationwide
Business Savings Accounts
Be the first to rate
Money Market Accounts
5
2
3
10 Reviews
Savings Accounts
27
28 Reviews
Boaters Insurance
Rating not yet determined (2 Reviews)
Car Insurance
5
2
1
8 Reviews
Life Insurance
5
1
1
7 Reviews
Motorcycle and ATV Insurance
Be the first to rate
Personal Watercraft Insurance
Be the first to rate
Renters Insurance
2
6
2
10 Reviews
Specialty Homeowners Insurance
Rating not yet determined (1 Review)
Travel Insurance
2
14
16 Reviews
Umbrella Insurance
Rating not yet determined (1 Review)
Auto Loans
Be the first to rate
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+33
-1000+100
No one recommends
Everyone recommends
Nationwide Flood Insurance Community Reviews
Would you recommend Nationwide Flood Insurance to your friends?
PE
Patrick E.
Aug 23, 2022
May or may not recommend
I have had flood insurance for over 20 years. I purchased Nationwide flood insurance over the phone. Bad idea, HORRIBLE SERVICE. I tried to reduce my coverage as mortgage reduced. Several e-mails, hours on the phone. The insurance is actually through Assurant. They have to make any changes through Nationwide. No response, EVER. Not even to Assurant. It cost me several hundred dollars extra.
My advice, call Assurant, find a ...Show More
PB
Phillip B.
Oct 27, 2020
May or may not recommend
I never imagined that I would recover from the water-damage caused by flood in my home. I lost my gadgets, jewelries and had my furniture destroyed. I am glad I had subscribed to the NFI and that they fulfilled their promises. We suffer trust issues with insurance companies. Thank you NFI for proving your worth.
Mike V.
Apr 23, 2019
May or may not recommend
Always had Nationwide ins,for auto and business and always treated us fair with the best rates.
Showing 3 of 3 reviews