Natural Disaster Center: How to Prepare and File Claims

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Learn how to prepare for, stay safe during and recover after natural disasters.

Have a plan in place well in advance.

Make a disaster plan, get checklists and review your coverage.

Start planning for a natural disaster

Know what to do during a natural disaster.

Find out how to stay safe and protect your belongings before, during and after a natural disaster.

If your personal safety is at risk, call 911 and get help.

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Recover from a natural disaster.

We can help you get back on your feet.

Find help to recover from a natural disaster

You can manage your claims online.

You may have multiple claims after a disaster strikes. You can quickly file claims for damage to your home, car and more.

Go to Claims Center

Natural disasters FAQ

Is there coverage for food spoilage?

Who's my point of contact if I have questions about my claim status?

Does USAA send text messages, alerting me to a potential natural disaster?

Yes. You could receive a text from 448-722 or 868-722 to warn you of an expected storm or help you file a claim. It's not a phishing message.

Here are two examples:

USAA: We're aware of the winter weather approaching your area. Please listen to local authorities to protect you and your family. For tips and advice, or to file a claim, visit [we will provide a link here].
USAA: We are aware of the winter weather in your area. To file a claim, visit [we will provide a link here].

Does USAA offer support for members evacuating during a natural disaster?

Is flood damage covered under my USAA Homeowners Insurance policy?

Flood losses caused by the overflow of lakes, rivers, or unusual and rapid accumulation of surface water are not covered under your homeowners policy. However, flood losses are generally covered by a National Flood Insurance Program® policy through USAA. To find out if you have this coverage, log on to usaa.com. If you don't currently have this coverage, you can get a quote by calling 800-531-USAA (8722). Keep in mind the policy doesn't take effect until 30 days after you make your first payment.

How can I protect against fraud after a catastrophe?

Advice for facing a catastrophe

How to prep your finances for a natural disaster

Floods, fires and other natural disasters can destroy everything in their path, but they shouldn't devastate your finances.
How to prepare for a disaster evacuation

Preparing for a disaster evacuation can save lives. Use our guide to help make sure your family has a disaster plan.
5 steps to getting back on your feet after a disaster

If your property is damaged during a hurricane or other natural disaster, follow these steps to help get the service you need from USAA.

Additional disaster relief resources

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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Natural Disaster Center

Hurricane season is here.

Learn how to prepare for, stay safe during and recover after natural disasters.

Have a plan in place well in advance.

Know what to do during a natural disaster.

Recover from a natural disaster.

You can manage your claims online.

Natural disasters FAQ

Advice for facing a catastrophe

How to prep your finances for a natural disaster

How to prepare for a disaster evacuation

5 steps to getting back on your feet after a disaster

We stand by you.

Additional disaster relief resources