Flood Insurance

Do you need Flood Insurance?

What is a Flood? The National Flood Insurance Program (NFIP) defines a flood as "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. What can cause flooding? Hurricanes, bad drainage systems, rapid rainfall. There are many causes so beware! You don't have to live near a lake or ocean to be caught in a flood. Just a few inches of water can cause thousands of dollars in damage to your home. 

Home Insurance policies do not cover flooding as a general rule.  FEMA, Federal Emergency Management Agency, is an organization established for the purpose of handling of National Emergencies. You will not have to shop for the best price on your Flood policy. FEMA sponsors all Flood policies so the pricing is the same, regardless of the agent.Your local insurance agent will be able to put you in a Flood policy.

Pricing depends on what flood zone you are in, how much coverage you want and what contents you want covered. See what zone you fall into- check the Flood Zone Map

There is usually a 30 day waiting period, so call before closing on that house!