Flood insurance is broadly defined by the National Flood Insurance Program (NFIP) as a temporary condition where 2 or more acres of normally dry land area are affected by inland waters, unusual & rapid accumulation or runoff of surface waters from any source, and mudflows
Why should I get flood insurance?
Flood insurance offers financial protection for your property in the event that a flood damages your home or personal belongings. It’s a separate policy from a standard homeowners insurance policy, which typically doesn’t cover damage caused by flooding.
Who needs flood insurance?
Flood insurance isn’t required for most homeowners but is typically mandated by mortgage lenders if your house is within a high-risk flood zone. For more information, check your property address in FEMA’s flood maps or talk to one of our local agents.
What Does Flood Insurance Cover?
Flood insurance can provide building coverage up to $250,000 to reconstruct your dwelling and personal contents coverage up to $100,000 which would help to repair or replace your belongings such as clothing, furniture and electronics.