Who needs flood insurance? Everyone!

Floods are America's most common natural disaster, so everyone is at risk. In fact, 1 in 4 flood claims are filed in low-to-moderate flood risk areas.

Flood, as referred to by the National Flood Insurance Program, is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

Flooding can occur from:

  • The overflow of inland or tidal waters
  • The unusual and rapid accumulation or run off of surface waters from any source
  • Mudflow

Anywhere it rains it can flood.

Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: such as rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. New development miles upstream can create flooding in your area.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

Flood insurance is the best way to protect yourself from devastating financial loss. Damage from flooding is generally excluded from other insurance policies. Coverage is available through the National Flood Insurance Program and private insurers.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk.

Click here for Flood Insurance Resources.

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