Flood is a catastrophe that no one is ready to face. With the inevitable destruction of your home and loss of personal property also comes the weight of not knowing when life will go back to normal.
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Did You Know?
- You can get flood insurance if your house has been flooded before, even if your
mortgage doesn’t require it.
- Outside of the high-risk Special Flood Hazard Area, most properties will qualify for the lower-cost Preferred Risk Policy.
- Even though flood insurance isn’t federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk flood areas file nearly 25% of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistance for flooding.
The following information has been provided by F.E.M.A.
Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire. About 25% of all flood claims are for policies in low- to moderate-risk communities.
A “flood” as described by the National Flood Insurance Program is simply the collection of excess water on land that is normally dry.
Important features of the National Flood Insurance Program are:
- Everyone can and should have flood insurance. Even if you don’t live in a designated flood zone you can purchase flood insurance if your community participates in the NFIP. Anyone can get flooded. More than 90 percent of all Presidentially declared disasters involve flooding.
- You can insure your home for up to $250,000. Contents coverage, up to $100,000 is separate. Renters can insure their belongings, too. There is also a range of deductible options to choose from, we recommend carrying a higher deductible to bring the annual premium cost down.
- Flood insurance pays even when no disaster is declared. Statistically, federal disaster declarations are issued in less than 50 percent of flooding incidents. An NFIP policy will pay for flood damage whether or not there is a federal disaster declaration.
Flood Damage Cost Estimation Tool