Flood Insurance

Anywhere it rains, it can flood

Flood damage is not covered under standard homeowners insurance. If a property is located in a high-risk flood area, and the property still has a mortgage, flood insurance is needed. If the property is near a high-risk flood zone, flood insurance is highly recommended. 

If a property is not in a high-risk area, flood insurance is surprisingly affordable. Contact an agent for a quote or more information.

• Visit FloodSmart.gov to learn more about what a flood is and what causes flooding around the nation. 
• Learn what to do Before The Flood and be prepared before it floods. 
• Know what's covered, what it costs, and stay protected. 

RESOURCES

Floodsmart.gov is the official website of the National Flood Insurance Program (NFIP). The NFIP provides affordable insurance to property owners, renters, and businesses by encouraging communities to adopt and enforce floodplain management regulations. Find out the risk, get tips and resources, and learn where to buy flood insurance and what to ask an insurance agent. 

Mitigation - There are options to protect existing homes. Flood vents, break-away walls, and elevating a home can reduce insurance costs and risks. 

Floods.org - Find local or State Floodplain Managers and helpful resources. The Association of State Floodplain Managers (ASFPM) is the world's leading voice for sound floodplain management, science, and policy.

The Community Rating System (CRS) can reduce flood insurance premiums by 5 to 45 percent in communities that participate. Contact a local Floodplain Manager of Elected Official to see if your community is involved or the feasibility of getting started. Contact us if you have any questions. (Link via www.FloridaDisaster.org)