Why You Need Flood Insurance page context
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Why you need flood insurance: floods hit every state, standard policies skip them, and the average claim nears $30,000. See coverage tips and save now.
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No home is completely safe from flooding, and standard homeowner’s or renter’s policies usually won’t cover it.
Maybe you don’t live in a flood plain.
Billshark wants to correct these and other misconceptions about this necessary protection for your money.
Disaster assistance comes in two forms: a U.S.
The “much more” also includes more intense hurricanes and heavier and more frequent rainfall, due to the increasing effects of climate change.
In May of 2018, the second of two “thousand-year floods” in just two years devastated the small town of Ellicott City, Maryland .
In September 2017, rains from Hurricane Irma inundated St.
And flooding in New Bern, North Carolina, in the aftermath of 2018’s Hurricane Florence reached levels—and devastated homes—at levels never seen there previously.
These are just three examples proving that catastrophic flooding events can occur anywhere, at any time, even in places that have never before experienced it.
The cost of flood insurance is negligible unless you live in a high-flood-risk area, in which case your mortgage lender will likely require it.
Most people don’t realize their typical homeowner’s or renter’s policy does not include flood insurance.
But is it worth it?.
But the purpose of insurance is to guard against financial disaster in case the unthinkable happens.
Keep in mind that the $650 figure is an average; your cost could be higher or lower, based on such factors as location, year of building construction, etc.
Also be sure to check out our new partner, Answer Financial, and Allstate agency, to help you save money on your home and auto insurance.
Typically no.
The National Flood Insurance Program, administered by FEMA, reports that the national average premium for flood insurance is $650.
Yes, it is worth considering.
If your insurance agent doesn’t offer flood insurance, check floodsmart.gov to see whether your community participates in the National Flood Insurance Program and whether you qualify for the agency’s lower-cost Preferred Risk Policy.
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1 Common Flood Insurance Misconceptions.
2 The Facts You Should Know.
And one final salient fact from FEMA.
3 Flooding Can Happen Anywhere.
4 What About the Cost?.
Frequently Asked Questions.
Does homeowner’s or renter’s insurance cover flood damage?.
How much does flood insurance cost?.
Do I need flood insurance if I don’t live in a high-risk flood zone?.
How does a flood insurance claim compare to government disaster assistance?.
Where can I find affordable flood insurance options?.
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