PERSONAL
Flood Insurance
According to the National Flood Insurance Program (NFIP) the average homeowner is five times more likely to incur flood damage than fire damage—with 25% of all claims coming from low to moderate risk areas. If you have a standard homeowners policy, it's unlikely you have coverage for damages after a flood. Here are a few things to know about flooding, from floodsmart.gov.
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Anywhere it can rain, it can flood.
You don't need to live near a coastline or river to have a flood.
Winter storms and snowmelt are common, overlooked, causes of flooding.
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NFIP policies typically take 30 days to go into effect, so it's important to act before there's an imminent threat of flooding.
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People outside of high-risk areas file more than 20 % of NFIP claims and receive one-third of disaster assistance for flooding.
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To qualify, the property must be located in the moderate-to-low risk zone and meet loss history requirements.
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