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Flood Information
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Everyone lives in a flood zone. • You don't need to live near water to be flooded. • Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc. |
Flood damage is not covered by homeowners policies. • You can protect your home, business, and belongings with flood insurance from the National Flood lnsurance Program. • You can insure your home with flood insurance for up to $250,000 for the building and $100,000 for your contents. |
| You can buy flood insurance no matter what your flood risk is. • It doesn't matter whether your flood risk is high, medium, or low, you can buy flood insurance as long as your community participates in the National Flood Insurance Program. • And, it's a good idea to buy even in low or moderate risk areas: between 20 and 25 percent of all flood insurance claims come from low -to moderate-risk areas. |
There is a low-cost policy for homes in low-to moderate-risk areas. • The Preferred Risk Policy is available for just over $100 a year. • You can buy up to $250,000 of coverage for your home and $60,000 of coverage for your contents. |
| Flood insurance is affordable. • The average flood insurance policy costs a little more than $300 a year for about $100,000 of coverage. • In comparison, a disaster home loan can cost you more than $300 a month for $50,000 over 20 years. |
Flood insurance is easy to get. • YOU can buy NFlP flood insurance from private insurance companies and agents; call yours today! • You may be able to purchase flood insurance with a credit card. |
| Contents coverage is separate, so renters can insure their belongings too. • Up to $100,000 contents coverage is available for homeowners and renters. • Whether you rent or own your home or business, make sure to ask your insurance agent about contents coverage. It is not automatically included with the building coverage. |
Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents. • Up to $500,000 of coverage is available for non-residential buildings. • Up to $500,000 of coverage is available for the contents of non-residential buildings. |
| There is usually a 30-day waiting period before the coverage goes into effect. • Plan ahead so you're not caught without flood insurance when a flood threatens your home or business. |
Federal disaster assistance is not the answer. • Federal disaster assistance is only available if the President declares a disaster. • More than 90 percent of all disasters in the United States are not Presidentially declared. • Flood insurance pays even if a disaster is not declared. |
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