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10 Best
Flood Insurance
of 2025
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Flood Insurance 

State Farm Flood Insurance Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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State Farm is an insurance company that offers homeowners and businesses coverage for property damage and personal injuries during floods. It helps pay for the cost of repairs or replacement of damaged property or lost personal belongings. State Farm also offer flexible flood insurance plans that can be tailored to individual budget and coverage needs.

 

Company Profile

BBB Ratings

B

States Served

50

Age of Company

93

AM Best Ratings

A++

 

Structures Covered                    

State Farm covers all standard residential and business structures. Prior assessment of your property is required when applying for a policy.

Condo

Yes

Townhouses

Yes

Offices

Yes

Apartments

Yes

 

Plan Details

State Farm flood insurance plans are based on an annual contract. There is 30-days waiting period before the policy becomes effective. This means any flood damage that occurs before the effective date of your plan is not covered.

Policy Effectivity

30 days

Annual Plan

Yes

Minimum Coverage

Not Stated

Maximum Coverage

Not Stated

Sample Policy

None

Privacy  Policy

Yes

 

Coverage and Protection

State Farm insurance offers for valuables lost or damaged by floods in residential and commercial properties. Other damages such as floor coverings, debris removal and electrical and plumbing system are also covered.

 

Personal Injury

Yes

Cars

Yes

Appliance

Yes

Furniture

Yes

Electrical and Plumbing System

Yes

Personal Belongings

Yes

Floor Coverings

Yes

Debris Removal

Yes

Currency and Valuable Papers

No

Non-flammable insulation

Yes

Commercial

Yes

Residential

Yes

 

Coverage Limitation Areas

Unfortunately the company did not post information on their list of areas not covered in their flood insurance plans.

Basement

Not Stated

Crawl Space

Not Stated

Walk-out Basement

Not Stated

Enclosed Areas

Not Stated

 

Help, Support and Usability

State Farm has a variety of online resources such as an online coverage calculator for quick estimates.  Claims could also be made either online or through the phone.

 

Coverage Calculator

Yes

Online Quotes

Yes

Online Claims

Yes

Telephone Support

Yes

Email

Yes

Live Chat

No

FAQs

No

 

Flood Insurance at State Farm

State Farm certainly has a lot to offer in term of its flood insurance plans for both homes and businesses. Aside from its long list of covered items, the company also has a wireless home monitoring system for monitoring their properties 24/7. Overall, a good choice for flood insurance shoppers looking for solid coverage and service. 


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Customer Comments & Reviews

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anoliviapeterson
12/23/2019
Because State Farm refuses to acknowledge "sea-surge" which does massive damage to home's basements and crawlspaces, and will only insure homeowners for rain flooding which does light damage to personal items, State Farm should not be permitted to act as if they are flood insurers. I am a Superstorm Sandy homeowner that is still holding a flood adjuster's estimate to repair - which only shows pictures of my personal items. They lie about true damage in order to keep the estimate to repair low. I pay $1,500.00 per year for their flood insurance, ($1,200.00/yr for separate hazard policy) and house is only 800 sq ft., 3 blocks from sea water. Still substantially damaged and trying to... Read More


Pat M
7/14/2019
I have a homeowner insurance through State farm for many year. The 1st time I claim after 20 years for water pipes burst in the wall after 5 days State farm doing nothing. I also inform them that we have to turn off the water and it hard to live here without water and toilet. They didn't even contact an adjuster to come to my house. I also have 3 cars. 3 houses and some life insurance policy with them. I am planing to take my business else where.


G
Greg M
6/19/2018
Flood Insurance coverage, like any other form of insurance, requires reading the perils covered and the limits on claims. I found it very helpful to sit down with my State Farm Agent and spend an hour or so asking every question I could think of. They are the best resource for making an informed decision. I strongly feel that the purchaser has the responsibility to learn and not assume knowledge they do not have when it comes to insurance.


D
DA P
3/12/2018
We have State Farm Insurance and our basement just flooded due to a crack in our fireplace wall. State Farm DOES NOT cover flooding due to any type of ground water; however, I found out they do cover claims if you accidentally leave your water running and you flood your entire house (being stupid wins the day). I have had State Farm since I was 16 years old; however, after they refused to help with any of the damages, we have found no need to pay higher premiums because the insurance is no different.



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