Flood Insurance

Rising Waters Require Special Coverage
Floods and flash floods can occur anytime, anywhere, in all 50 states — on coasts, in the mountains, along rivers and in the middle of the desert. In fact, roughly 25% of all flood insurance claims come from areas not considered high risk.

How Can You Protect Against Flood Damage?
The Federal Government runs a National Flood Insurance Program (NFIP), which is why most home and property insurance typically doesn’t cover flooding. The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas. You can enter your address at www.floodsmart.gov to find out your risk.

How Can You Protect Against “Non-Flood” Water Damage?
You may need to consider additional water backup insurance. Neither the NFIP, nor your base homeowner’s policy, will typically cover water that backs up through sewers or drains or overflows from a sump pump. To be sure you have the right coverage, discuss all of your specific concerns about water damage with your agent.