Floods Are The #1 Natural Disaster In The U.S.

You don’t have to live near a body of water to be at risk for flooding — it can happen anywhere it rains. Even historically dry areas have been known to flood without warning. So it may not be a matter of whether you need flood insurance, but how much and what kind.

Ask us to run a “flood zone determination” on your property. The federal government’s National Flood Insurance Program (NFIP) has established two types of zones:

  • High risk: Homes in these areas are more likely to be damaged by a flood. The government requires homeowners to have flood coverage when they have loans from federally regulated or insured lenders.
  • Low-to-moderate risk: Flood insurance isn’t required in these areas, but that doesn’t mean it isn’t desirable. Low-to-moderate risk zones account for 25% of all flood insurance claims and receive one-third of federal disaster assistance for flooding.

Flood insurance covers direct physical loss to your building and its contents caused by flooding

Building property coverage includes:

  • Building and foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, stoves and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Detached garages, up to 10% of building property coverage

Contents coverage includes:

  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not permanently installed over unfinished flooring
  • Washers and dryers
  • Freezers and food contents
  • Valuable items such as original artwork and furs, up to $2,500
  • Replacement cost coverage is not available for personal property

Other coverages include:

  • Debris removal at federal minimum wage, not subject to a deductible
  • Loss avoidance measures, $1,000 limit, no deductible
  • The increased cost of compliance — flood-proofing, relocation, elevation and demolition, subject to limitations and qualifying criteria

Getting Flood insurance

Flood insurance is available in all 50 states to communities that participate in the National Flood Insurance Program. Your agent can provide full details on your eligibility and coverage options.

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