Flood Insurance

What Is Flood Insurance?

Flood insurance is a policy that provides financial protection against rising water damage that applies to your home or business. For homeowners, it can protect against losses not just from floods but also from the overflow of inland waters such as rivers, lakes, streams and other natural bodies.

How Do I Know If I Need Flood Insurance?

If you live in an area where there is a chance of flooding, then you shouldn’t hesitate to pick up a flood insurance policy. Note that many lenders will almost certainly require flood coverage before issuing a mortgage on any house in an at-risk area.

If you live in an area that floods even once every ten years, the National Flood Insurance Program recommends having at least $250,000 in coverage. If you live in a at-risk area where flooding occurs regularly, NFIP advises carrying at least $500,000 of coverage.

The Federal Emergency Management Agency (FEMA) estimates that more than 20 percent of flood claims come from areas not considered high risk for flooding. These include places that have never flooded before and may not be considered at-risk flood zones.

Where Can I Learn More?

To find out more about flood insurance and to determine whether or not your property would benefit from coverage, contact our helpful staff right away for a free consultation.


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