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If you live in a state with lots of rain or near a large body of water, you might wonder, “Does auto insurance cover flood damage?” Natural disasters, such as floods, have the potential to cause significant damage to personal property, including vehicles.

Therefore, it’s crucial to understand if your auto insurance policy covers flood damage and what options are available to protect your car in the event of a flood. Read on to learn about flood insurance policies in different flood-prone states.

Flood Insurance Policies in Texas

does insurance cover flood damage

While flood insurance is not mandatory by law in Texas, it is highly recommended, especially for residents in southeastern cities like Houston and San Antonio. However, most areas in Texas are susceptible to flooding.

It's important to note, though, that flood insurance for your home does not cover your vehicle in the event of a flood. To ensure your car is protected, you'll need to add comprehensive coverage to your auto insurance policy. This coverage safeguards your vehicle against damage caused by inclement weather and flooding.

Although comprehensive coverage can be expensive, averaging around $2,400 per year or $200 per month, it protects you against costly flood repairs and the headache of dealing with a totaled car.

Flood Insurance Policies in Florida

Thanks to hurricanes, year-round thunderstorms, and the fact that it’s surrounded by water on all three sides, Florida is one of the states most susceptible to floods—making flood insurance essential for many residents.

Although it is not mandatory by law, it is highly recommended, particularly for those residing in high-risk flood zones. Flood insurance for motor vehicles is not required, although some homeowner’s insurance companies do require flood insurance.

Note that homeowner’s flood insurance will not protect your car if there is a flood. Just like drivers in Texas, you will need to add comprehensive coverage to your insurance policy.

The cost of this coverage will depend on factors such as:

  • The year, make, and model of your car

  • Your location

  • Your deductible amount

  • Driving history

This level of coverage, though, can cost you up to $3,183 per year or about $265.25 per month.

car engine damage from flood

Flood Insurance Policies In Louisiana

While not mandatory, car flood insurance is available in Louisiana as optional comprehensive coverage that can be added to your auto insurance policy. A standard auto insurance policy will not protect your car in case of a flood. Given the state's vulnerability to hurricanes, tropical storms, and heavy rainfall, having flood insurance for vehicles is crucial for financial protection during flooding.

However, it is less common in Louisiana compared to other types of auto insurance coverage. Many drivers choose not to add this coverage since they may not reside in flood-prone areas.

The cost of flood protection in Louisiana averages around $2,909 per year or $242.42 per month, varying based on the flood risk of your area and other factors.

Flood Insurance Policies In New York

Although New York is not commonly associated with flood-prone areas, hurricanes, tropical storms, and strong thunderstorms can still cause flooding, especially around the Atlantic Ocean and Great Lake coastlines.

The New York State Department of Financial Services does not mandate flood insurance, but it highly recommends it, particularly for those residing in high-risk flood zones.

Just like in Florida, Texas, and Louisiana, regular flood insurance will not protect your vehicle. So, you will need to purchase comprehensive auto insurance to add to your liability coverage.

This level costs about $3,139 per year or $261.58 per month.

flood damage salvage title

Flood Insurance Policies In New Jersey

New Jersey is another state that is susceptible to floods. As a result, the majority of municipalities in the state are part of the National Flood Insurance Program (NFIP), and flood insurance is strongly recommended for residents along the shoreline.

Flood insurance, though, is not mandatory in New Jersey. If you live in a high-risk area for floods, a comprehensive auto insurance policy would be a great protective add-on. Your insurance would cover repairs related to flood damage or even a replacement if your car is totaled.

The cost of comprehensive insurance that includes flood protection in New Jersey costs about $1,754 per year or $146.17 per month.

Can You Sell A Car With Flood Damage?

If your car has been in a flood and your current insurance policy doesn’t cover the repairs, selling your vehicle is an option.

While buyers in the private market might be reluctant to buy a flood-damaged car, CarBrain is happy to buy it as-is. We specialize in buying totaled cars such as those that have been damaged in a flood and provide a convenient and straightforward process for selling your car.

sell a car with flood damage

Here is a step-by-step guide on how to sell your car with flood damage:

  1. Get an offer: Start by filling out an easy form on our site. Provide accurate information about your car's condition and any flood damage it may have sustained. We will evaluate the details and provide you with a fair-market offer.

  2. Schedule the pickup: If you are satisfied with the offer, we will assist you in scheduling a pickup time and date that is convenient for you. We will arrange for a tow truck to come to your location and collect the car in 48 hours or less.

  3. Get paid: Once the tow truck driver arrives and verifies the condition of your car, they will hand you your check for the agreed-upon amount for your flood-damaged vehicle.

By selling your flood-damaged car through CarBrain, you eliminate the hassle of finding a buyer willing to purchase a vehicle with flood damage. We offer a reliable and convenient option to quickly turn your flood-damaged car into cash.

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Frequently Asked Questions

What happens if your car is destroyed in a flood?

If your car is severely damaged in a flood and deemed a total loss, your insurance will compensate you for the vehicle's actual cash value, minus the deductible. Without comprehensive coverage, you'll be responsible for repair or replacement expenses out of pocket.

Are flood damaged cars OK?

Flood-damaged cars are not recommended due to hidden damage. Water can affect the engine, transmission, electrical systems, and interior. These issues can lead to costly repairs. Inspect used cars for flood damage to avoid future problems and expenses.

Is fixing a flood damaged car worth it?

In most cases, no. Flooding can leave a lot of damage that remains hidden unless you tear the car apart, from electrical issues to mold growing within the vehicle. You may find yourself spending more fixing a flood damaged car than it's actually worth.

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