in Flood Insurance

Claimed Visit Site



in Flood Insurance

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend USAA to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend


USAA Flood Insurance Overview

USAA provides a wide selection of home insurance policies, but those plans don’t include flood insurance, which homeowners must purchase separately.  Flood insurance is provided through the National Flood Insurance Program and offers coverage for damage caused by rain, hurricanes, melting snow and other sources that regular home insurance does not cover. USAA is a highly rated insurance company with excellent financial stability. USAA has 11.4 million members and is the fifth largest homeowners insurer in the United States. USAA policies are only available to service members and their relatives.

What Are USAA Flood Insurance’s Ratings?

USAA’s property insurance has some of the highest ratings in the business. Moody’s gives USAA property insurance an Aaa rating; the highest rating possible A.M. Best also gives USAA its highest rating, A++ (Superior). Standard & Poor’s rates it as AA+ (very strong), the second highest rating possible. The BBB gives USAA an A+ rating.

What Coverage Does USAA Flood Insurance Offer?

USAA’s flood insurance policies offer compensation for the damage caused by the following sources:

- Tropical storms.

- Hurricanes.

- Melting snow and ice.

- Changes in river flow and natural drainage.

The risk of flood damage is not restricted to certain states. In the past five years, all 50 states have been affected and 1 in 5 of all flood claims occur in an area that is considered low risk according to government data. Even moderate flooding (6 inches of water) can cause $20k in damages. Two feet of water can cause damages of $34k and 4 feet will cause an average of $40k in damages.

How Does USAA Compare with Other Flood Insurance Companies?

USAA has been in business for nearly 100 years and, thanks to its cautious investment culture, the company offers financial stability to its 11.4 million policyholders. USAA’s property insurance has some of the highest ratings in the industry. Policies can come with monthly premiums as low as $14.

SUPERMONEY Disclosure: 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...


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Claims Free
  • Higher Deductibles
Property Discounts
  • Flood Zone Designation
  • Freeboard (Property Elevation Above BFE)
Home and Renters Insurance Riders
  • Excess Flood (Private)
  • Finished Basement Damage
  • Flood Coverage (Federal)
  • Loss of Income
  • Sewage and Drain Backup Coverage
  • Valuable Items
  • Yard and Garden Coverage
Financial Strength Rating
  • A+
Home and Renters Insurance
  • Debris Removal
  • Dwelling Coverage
  • Other Structures Coverage
  • Personal Property Protection

Be the first to rate


Would you recommend USAA to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Flood Insurance