About Flood Insurance
Important things to know from the National Flood Insurance Program (NFIP)
- Floods and flash floods happen in all 50 states.
- 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.
- Everyone lives in a flood zone—it's just a question of whether you live in a low, moderate, or high risk area.
- Last year, one-third of all claims paid by the NFIP were for policies in low-risk communities.
- If you live in a low-to-moderate risk area and are eligible for the Preferred Risk Policy, your flood insurance premium may be as low as $112 a year, including coverage for your property's contents.
- It takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the floodwaters start to rise.
Contact our office for a flood insurance quote or to learn more about the National Flood Insurance Program.
Flood Protection
A flood is a devastating experience for any family, especially if you are not properly insured. Although flood insurance is relatively inexpensive, many homeowners fail to purchase coverage.
**Important Note:
Your basic homeowners policy will NOT cover damage caused by flood!
Get the coverage you need
Are you unsure about the specific exposures and risks you face? Or the protection you need? Our insurance needs analysis tool is a good place to start. It will help you to identify your potential exposures to loss and list the coverages that may be appropriate for you. Click the link below to access our free individual risk analysis tool.
