FEMA and the National Flood Insurance Program define a flood as:
A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from: Overflow of inland or tidal waters; or Unusual and rapid accumulation or runoff of surface waters from any source; or Mudflow; or Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
According to FEMA, for a home located in a SFHA, there is a 26% chance of experiencing a flood during the life of a 30-year mortgage compared to only a 4% chance of fire.
25% of all flood claims occur in the low-to-moderate risk areas.
Did You Know that your homeowners, condo or renters insurance does NOT cover damage from floods?
Flood insurance is available for primary homes, vacations homes, rentals, commercial buildings, apartment buildings and condo associations.
Renters can insure their belongings.
Don’t wait for the rains. With the exception of getting new loan, flood insurance carries a 30 day waiting period before it becomes effective. Call us today!
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