Flood Insurance
Do I need Flood Insurance?
No home is completely safe from potential flooding. Flood insurance can be the difference between recovering and being financially devastated. Just one inch of water in a home can cost more than $25,000 in damage so why risk it?
Important Facts to Keep in Mind
- Homeowners and renters insurance do not typically cover flood damage.
- More than 20 percent of flood claims come from properties outside high-risk flood zones.
- Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.
- Most federal disaster assistance comes in the form of low-interest disaster loans from the U.S. Small Business Administration (SBA) and must be paid back.
- FEMA offers disaster grants that do not need to be paid back, but this amount is often much less than what is needed to recover.
- A claim against your flood insurance policy could, and often does, provide more funds for recovery than those you could qualify for from FEMA or the SBA — and you don’t have to pay it back.
- Flood insurance policies take 30 days to go into effect. Talk to your insurance agent before disaster strikes.
For more important facts, see the FEMA Flood Insurance Fact Sheet
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