Flood Insurance Facts

Many people learn too late that most homeowners policies exclude any coverage for the peril of flood.  Only a flood insurance policy can offer the protection you need for your home and your belongings in case of a flood.

Think you’re not at risk?? Consider this:

*Approximately 25 percent of flood insurance claims come from low-risk areas.

*Six out of ten Presidentially declared disasters involve flooding.

*Flooding occurs in every state and can occur at any time of the year.

*Federal disaster relief is available only if a federal disaster is declared.  Flood insurance pays for your covered losses, even if a disaster is NOT federally declared.

* Federal disaster relief is usually a partial recovery in the form of a loan, with monthly payments that may be more expensive than the average annual flood premium.

*If you do not purchase and maintain a flood policy after you have received federal disaster assistance, you will not be eligible for future disaster relief.