Flood Insurance

Is your home protected from flooding?

The Federal Emergency Management Agency (FEMA) says that 98% of U.S. counties have had flooding events and 90% of natural disasters involve flooding. Your homeowners policy doesn’t cover flood damage to your home and belongings, so protect yourself by adding a flood insurance policy.

Do you need flood insurance if you’re in a low risk area?

As the climate continues to change and weather events become more severe, flooding can be triggered by heavy storms and melting snow caps. FEMA reports that more than 20% of flood claims come from areas outside of mapped high-risk flood zones and the overall average claims payout is more than $35,000. That’s a lot of money for a family to pay out of pocket after a disaster, making flood insurance a good investment in your home and personal property.

What does flood insurance cover?

Flood insurance is needed if your home’s damage is caused by a flooding disaster. Much of your home can be covered by flood insurance, including carpeting, cabinets, and large appliances. A Kelly Miller Insurance broker can help you choose a policy that covers your needs.

Flood insurance can be confusing. If you have questions, we’re happy to assist with this important coverage.