Why Flood Insurance 

Flooding is nature's most common natural disaster. The average homeowner is five times more likely to incur flood damage than fire damage. If you live in a high-risk zone, you have a one-in-four chance of experiencing flood damage. Almost 25% of all flood claims come from low- to moderate-risk areas and 90% of all presidential-declared disasters involved flooding. Homeowner's policies may not cover the flood damage, and the out-of-pocket costs can be burdensome.

Flood insurance is designed to provide an alternative to disaster assistance to reduce the escalating costs of repairing damage to buildings and their contents caused by floods. While your homeowner's policy may cover fire, tornado, or even earthquake damage, most EXCLUDE damage caused by flooding. Those that cover SOME flood damage do so by specific endorsement and only for a certain dollar amount. Check with your insurance agent to see what coverage is available.

For further facts about the hazards of flooding, visit our Frequently Asked Questions section by clicking the FAQs link at the top of this page. You will also want to contact an insurance agent to learn more about the type of zone you are in, whether your community participates in the NFIP, and the costs and benefits of obtaining flood insurance.

  Obtaining a Flood Policy 

The best place to start to obtain a flood policy is with the insurance agent who handles your basic homeowner's policy. You will need to discuss with the agent whether flood insurance is available in your community and for your property. Flood insurance through the National Flood Insurance Program is provided both directly through the NFIP and through private insurance companies, known as "Write Your Own" companies. Since flood insurance is regulated by the federal government, rates are fixed, meaning that all companies must offer the same flood rate. NFIP coverage is available to all owners of insurable property (a building and/or its contents) in a community participating in the NFIP.

  Resource Links 

Pre-Inspection Advance Payment Request


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