New Flood Rules: Basement Proof Required by 2026
Insurance Requirements 2026

New Flood Rules: Basement Proof Required by 2026

Starting in 2026, homeowners must provide proof of basement flood-proofing to keep insurance coverage active. Proactive measures such as improved drainage, waterproof sealants, and sump pump installations help avert expensive repairs, decrease premiums, and increase market appeal. Early adherence secures your property, achieves necessary certification, and aligns with evolving flood defense regulations.

By Kelly AlyseFebruary 19, 2026
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New Flood Rules Could Raise Your Insurance—Or Lower It

New Flood Rules Could Raise Your Insurance—Or Lower It

Starting in 2026, new insurance rules mandate flood-resilient basements for coverage and discounts. Implement drainage solutions, seals, pumps, and sensors to reduce premiums by up to 25%, elevate home value, and create a safer living space. Early action guarantees compliance and enduring benefits.

Kelly AlyseJan 4