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House Flood Insurance

What is a Flood?

A flood is defined as water covering a previously dry area or a very large amount of water that has overflowed from a river or other water source. Floods are the most common disaster in the United States and can impact large areas. Not all floods are alike, some develop slowly and some come in an instant, such as flash floods. Flash floods can be dangerous because they can carry with them debris and often sweep away things in their path.

Flood Terms:

Pay attention to warnings that come over your radio or television. Identify how you would be receiving information in the community where you live. It may differ from place to place. Buy a battery operated or a crank weather radio for receiving emergency information.

  • Flood watch

This means flooding is possible so listen to your National Oceanic and Atmospheric Administration - NOAA Weather Radio, television or commercial radio.

  • Flash Flood Watch

Flash flooding could occur so prepare to move to higher ground and listen to your local radio station, television or NOAA Weather Radio.

  • Flood Warning

Flooding is happening now or will happen soon so prepare to evacuate when advised to do so.

  • Flash Flood Warning

Seek higher ground immediately. A flash flood is occurring.

Do You Need Flood Insurance?

Standard homeowners insurance doesn’t cover flooding. Flooding can occur in any area because of hurricanes, tropical storms or heavy rains. Some areas are more prone to floods. For example, if you live on a flood plain then you should have flood insurance.

Home Owners and Renters

In 1968, Congress created the National Flood Insurance Program (NFIP). This program was put into effect to help homeowners, renters and business owners protect themselves from the damages that floods can cause. FEMA has set up requirements that participating communities must adopt to reduce the risk of flooding.

Even if your house has never flooded before, you may want to check with your insurance agent and ask for details. The cost of replacing all of your possessions could be overwhelming.

Resources:

FloodSmart.gov – Official site for NFIP Partnership.

Find an Agent - Go to this page and type in your zip code to find an agent in your area.

Flood Risk – Check your area to see if you are in a high risk group.

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