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Flood Insurance

MetLife Auto & Home® Flood Insurance

Floods and flash floods could occur anytime, anywhere and not everyone knows their standard homeowners policies don’t cover water damage caused by flooding. MetLife Auto & Home® sells  flood insurance as part of the National Flood Insurance Program, sponsored by the federal government.

Unlike a standard homeowners policy, flood insurance covers losses to your property caused by flooding. Some of the things a standard flood policy will cover include*:

  • structural damage
  • furnace, water heater, and air conditioner
  • flood debris clean up
  • floor surfaces, such as carpeting and tile 

Flood insurance can also cover* the contents of your home, such as furniture, collectibles, clothing, jewelry, and artwork.

Policies are available in three forms: Dwelling (most homes), General Property (apartments and businesses), and Residential Condominium Building Association (condominiums).

*See policy for restrictions. In the event of a conflict between this information and the policy, the policy prevails.

Flood Insurance

Did you know?

  • Flooding has cause more destruction in America than any other natural disaster.
  • Everyone is at risk of flooding.
  • In the past 5 years, all 50 states have experienced floods of Flash floods.

Ready to request a quote?

  • Toll Free: (877) 638-0022
  • Email: MetLife Flood
  • Submit an online quote request by clicking below

Claim Resources

For existing policyholders:

  • Most homeowner policies don't cover floods!
  • Floods are the #1 natural disaster in the United States.
  • Nearly 25% of all flood losses happen in low to moderate risk areas.


If you are an appointed agent, you may access policy information through the MetLife Flood Portal.

Not appointed but want to write MetLife Auto & Home flood insurance? Getting appointed is easy. Learn More.