Why Flood Insurance is Essential

Think you don’t need flood insurance? Perhaps you don’t live near water, or maybe you have a great homeowners policy. The truth is, every home is at risk of flooding. Before passing on flood coverage, here are five things you should know.

Five Things You Need to Know

1. Every home is in a flood zone.
According to the National Flood Insurance Program (NFIP), nearly 20% of all flood insurance claims are made by homeowners living in areas considered a low risk for a flood. That means regardless of whether your mortgage company required you to purchase flood insurance, your home is at risk for flooding.                 

2. No homeowners insurance policy covers flooding.
It’s a common misconception that homeowners insurance covers flood damage, but the truth is only flood insurance covers flood damage. Without it, the cost of the damage comes out of your pocket.

3. You can’t rely on the federal government to pay for flood damage.
Federal assistance is only available if the president declares an area a disaster. Even then, the assistance is not compensation for your losses, but rather a low-interest loan that requires repayment with interest, along with your mortgage.

4. Flood losses are costly.
Most people don’t realize that just a few inches of floodwater can do thousands of dollars worth of damage. In a 2,000 square foot home, one inch of water can cause as much as $27,000 or more in damage to your home and its contents.

5. Flood polices are affordable.
AAA can help protect your home with rates starting at less than $1 per day.* In 2017 the average amount of flood coverage was $252,261, and the average annual premium was $707.

Building Coverage Contents Coverage Annual Premium Cost Per Day
$20,000 $8,000 $183 $0.50
$30,000 $12,000 $224 $0.61
$50,000 $20,000 $290 $0.79
$75,000 $30,000 $339 $0.93
$100,000 $40,000 $374 $1.02
$125,000 $50,000 $393 $1.08
$150,000 $60,000 $418 $1.15
$200,000 $80,000 $456 $1.25
$250,000 $100,000 $482 $1.32


Talk with a helpful AAA Insurance Agent today about purchasing flood insurance.
Request a quote or call 877.288.4546.

Rates effective April 1, 2019. These PRP rates are for 1-4 Family Residential without a basement or enclosure. Other residential building and contents coverage combinations are available. Premium includes a 15% Reserve Fund Assessment, $25 Federal Policy Fee, Increased Cost of Compliance, and $25 HFIAA surcharge for policies covering primary residences only if the named insured’s primary residence is a single-family dwelling, an individual condominium unit, or an apartment in a non-condominium building. Add $225 to the HFIAA surcharge for all other policies. Add the $50 Probation Surcharge, if applicable. Deduct the Increased Cost of Compliance if the risk is a condominium unit.

Flood insurance purchased through AAA is underwritten by a participating insurer of the National Flood Insurance Program (NFIP). The NFIP is administered and regulated by the Federal Emergency Management Agency (FEMA).
* The full annual premium must be paid prior to policy inception. In certain circumstances, flood insurance can be canceled and a refund can be issued. For additional information about cancellation, please contact your agent. 

Book Disneyland® Resort vacation packages with AAA Travel and save!

When you book Disneyland® Resort vacation packages through AAA Travel, you get the added expertise of booking with an Authorized Disney Vacation Planner. What does that mean? Unlike many other agencies, our AAA Travel Advisors have extensive knowledge of Disneyland® Resort as well as all Walt Disney World® Resort, Disney Cruise Line, Adventures by Disney® and Aulani, A Disney Resort & Spa vacations. This knowledge allows us to help you get the most for your budget and, most importantly, to customize the vacation that’s right for you and your family.

With more than 350 Travel Advisors, our diverse expertise, unsurpassed customer service and attention to detail will help to ensure your vacation is a once-in-a-lifetime experience. So, why wait? Contact one of our AAA Travel Advisors to begin planning your Disneyland® Resort vacation today!                     



Contact your local
AAA Travel Advisor

Or, call


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Book a package, or learn about many other Disneyland® Resort vacation packages.


Disneyland® Resort Hotels

Disney’s Grand Californian® Hotel & Spa

Bask in the magic of the late 19th-century Arts and Crafts movement at this premium hotel. Savor award-winning food, indulge your senses at the world-class spa or lounge the day away in a posh poolside cabana. Plus, with stately American Craftsman-style decor in all rooms, Disney’s Grand Californian® Hotel & Spa celebrates the grandeur of the great outdoors.

Disneyland® Hotel

Be surrounded in the spirit and wonder of Disneyland® past and present. Stay in the Adventure, Fantasy or Frontier tower — each an homage in sight and sound to the park’s original lands — and delight in the hotel’s sleek, ultra-modern design that surrounds you at every turn. Located just steps from the Downtown Disney® District, the hotel is a short stroll to both Disneyland® Park and Disney California Adventure® Park.

Disney’s Paradise Pier® Hotel

Celebrate the heyday of California beachfront boardwalks at Disney’s Paradise Pier® Hotel. Step back in time at this old-fashioned yet modern hotel — home to a variety of dining, shopping and recreation opportunities — and ride a wave of relaxation from your charming seaside-themed room all the way up to the rooftop pool for some welcome fun in the sun.

Disneyland® Resort Park Hopper® Ticket**

Choose from a 3- to 5-day ticket. Valid for same-day entry into both Disneyland® and Disney California Adventure® theme parks. Disneyland® Resort Park Hopper® Ticket includes one Magic Morning admission into select attractions at a designated Disneyland® Resort theme park one hour before general park opening.

Plus, enjoy these Disneyland® vacation extras!

Get the complete package when you book your Disneyland® Resort vacation through Walt Disney Travel Company. From flight arrangements and ground transportation to dining, tickets and other popular Southern California attractions, Walt Disney Travel Company can provide it all - all in one place.

Accommodations at one of the Hotels of the Disneyland® Resort or nearby Good Neighbor Hotel.

Magic Morning Early Entry**

A 3-day or longer Disneyland® Resort souvenir ticket includes ONE Magic Morning early entry - provides admission into Disneyland®Park before the Park opens to the public.

EXCLUSIVE! Collectible pin, lanyard & luggage tag

Pins, lanyards and luggage tags may vary. One per person in package.

Magical Extras Savings Card

A special card offering savings and values at many participating dining and merchandise locations throughout the Downtown Disney® District. One card per package.

ESPN® Zone - Restaurant Burger Bundle

Take advantage of the ultimate sports viewing, dining and entertainment experience at ESPN® Zone restaurant – located in Downtown Disney® District! For $20, get The Classic Burger and receive a $10 ESPN® Zone Game Card(tax, gratuity and beverage not included).

  Additional package options

  • Round-trip airfare
  • Southern California experiences
  • Ground transportation
  • Vacation insurance
  • San Diego, Los Angeles/Hollywood and Orange County beach vacation package options
  • Character Dining Experiences

Current events

Disney California Adventure® Food & Wine Festival

Scheduled to return in early 2019. Celebrate the bounty of California at an irresistible event featuring vibrant cuisine, celebrity chefs, entertainment and more.


Mickey's Halloween Party

Don’t miss Mickey’s most bewitching after-hours celebration of the year—select nights September 19 to October 31, 2018!


Disney California Adventure® Lunar New Year Celebration

Discover a multicultural celebration that welcomes the Year of the Pig—scheduled to return in early 2019!


Holidays at the Disneyland Resort

The most magical time of the year returns to the Disneyland Resort on November 9, 2018.

Disneyland® Theme Parks

Disneyland® Resort in California is the place where every day is made for magic. Come experience the wonder of two enchanting theme parks – Disneyland® Park & Disney California Adventure® Park.

Disneyland® Park

Enter a magical kingdom where you can sail with pirates, explore exotic jungles, meet fairy-tale princesses, dive under the ocean and rocket through the stars – all in the same day! Disneyland® Park is a beloved Southern California destination where generations of families have made their Disney dreams come true. Opened in 1955, Walt Disney’s original theme park is divided into eight extravagantly themed lands.

Disney California Adventure® Park

Explore seven exciting lands that bring to life Disney and Pixar stories and characters through amazing attractions, entertainment and dining! The two most recent additions – Buena Vista Street and the awe-inspiring Cars Land – join the themed lands of Grizzly Peak, Paradise Pier, Pacific Wharf, “a bug’s land” and Hollywood Land. With so much to do day and night, Disney California Adventure® Park has something for every member of your family.

Downtown Disney® District

Stroll along a lively promenade featuring distinctive dining, unique shopping and exciting nighttime entertainment. Eat at a rainforest temple overrun with exotic animals, watch the big game from inside an ESPN broadcast studio, catch a live performance by the latest musical sensation and discover wonderful new surprises around every corner! Get away for a few hours and spend some quality time in an immersive Disney environment –all without an admission fee.


Contact your local travel advisor.


As to Disney artwork, logos and properties: ©Disney

**Magic Morning early entry allows admission into select attractions at Disneyland® Park before the Park opens to the public on Tuesday, Thursday or Saturday. Each member of your travel party must have a valid 3-day or longer Disneyland® Resort Park Hopper® souvenir ticket from Walt Disney Travel Co. for Theme Park admission. The 3, 4, and 5-Day Park Hopper® Tickets with Magic Morning entitle Guests to admittance to both Disneyland® Resort theme parks for the specified number of days, including visits to both theme parks on the same day. These tickets expire 13 days after first use or on 1/13/19, whichever occurs first. Each day of use constitutes one full day of use, and tickets are subject to restrictions and change without notice. To enhance the Magic Morning experience, it is strongly recommended that Guests arrive at least one hour and 15 minutes prior to regular Park opening. Magic Morning admission is based on availability and does not operate daily. Applicable days and times of operation and all other elements including, but not limited to, operation of attractions, entertainment, stores and restaurants and appearances of Characters may vary and are subject to change without notice. Subject to capacity and other restrictions.

†Voucher must be surrendered upon redemption. Burger includes the Classic Burger or Veggie burger on request. All other burgers subject to additional costs. May not be redeemed for cash; no substitutions. Voucher will not be replaced if lost or damaged and may not be transferred for a commercial purpose. May not be combined with other offers. Subject to restrictions and change without notice. Valid only at ESPN Zone restaurant in Anaheim. Expires 1/15/19. This voucher will be issued as part of a Walt Disney Travel Company vacation package – one (1) voucher per package, maximum two (2) burgers with two (2) game cards per voucher. Walt Disney Travel Company CST# 1022229-50 ©Disney

Walt Disney Travel Company CST: 1022229-50 NVST: 2006-0198 ©Disney.