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Why You Need A Flood Preparedness Plan

Flooded neighborhood

As we have seen in the recent months and years, flooding can occur at any time and during any season. Flood waters can cause severe and costly damage to your home. By understanding your home's risk of flooding and your flood insurance options, you can have the peace of mind knowing you are making the best decisions for your family and home. Here are three things you should know about flood insurance:

3 Things to Know About Flood

1.  The most common disaster in the United States is flooding.

Flooding is our nations' most common and most costly disaster. According to FEMA, floods occur in every region of the country and cause the most damage to homes compared to any other natural disaster. Roughly 90% of all natural disaster involve some form of flooding.

2.Flooding is NOT covered under your homeowners insurance policy.

A standard home, condo, or renter's insurance policy typically does not include flood coverage. Homeowners insurance policies may protect you against water damage, such as a pipe leak or hole in your roof, but will not cover flood-inducing factors such as torrential rainfall or storm surge. To be protected in the event of a flood, you must purchase FLOOD insurance. Call and speak with one of our agents for a FREE flood quote!

3. Who needs flood insurance?

Depending on your home's location, it can be at a higher or lower risk of flood damage. However, flood insurance is available to purchase even if you do not live in a designated flood zone. In fact, nearly 25% of all flood insurance claims reported to the NFIP come from areas with a moderate to low risk of flooding.

Although we live in the "Sunshine State", Florida is especially prone to flooding. Be sure your home is protected by purchasing flood insurance. Do not wait to learn if flood insurance is right for you after an incident occurs, contact us today and learn more about flood insurance, to ensure your family has the coverage you need. 

2019 Flood Insurance Premium Table
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