Flooding can occur anywhere, at any time of year. As a result, it’s always best to be prepared! Did you know that floods are the most common natural disasters in the U.S.? Flash floods often come quickly and without warning, causing damages and even taking lives. When under a flood warning, find safe shelter as quickly as possible! Do not ever walk, swim, or drive through flood waters. It only takes 6 inches of water to knock a person off their feet and only a foot of water to sweep away a vehicle. Additionally, it is best to stay away from bridges over fast-moving water and evacuate when told to do so. The National Flood Insurance Program has established two types of flood zones:
- High risk: Homes in these areas are more likely to sustain flood damage. The government requires homeowners to have flood coverage when they have loans from federally regulated or insured lenders.
- Low-to-moderate risk: Flood insurance isn’t required in these areas, but that doesn’t mean it isn’t desirable. Low-to-moderate risk zones account for 25% of all flood insurance claims, and receive one-third of federal disaster assistance for flooding.
Your agent can run a “flood zone determination” to see what flood risk your property is under. To keep you covered we provide two tiers of Flood policies:
- Standard Risk: Covers properties in the NFIP high-risk zones, where Flood insurance is a requirement for homeowners.
- Preferred Risk: Covers low-to-moderate risk zones at a reduced cost.
You can visit FEMA’s Flood Map Service Center for information on the types of flood risks in your area so you can best prepare. Make sure your family is signed up for your community’s warning system. Additionally, the Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts. Make sure your family has an evacuation and shelter plan and that you practice, especially if you have small children. When at risk for flooding, gather supplies ahead of time so that you are already prepared if you need to evacuate. Keep each individual’s needs in mind, particularly in regards to medication and other health issues. Keep important documents and other critical items in a waterproof container. Lastly, get Flood insurance! Remember, your Homeowners policy does not provide flood coverage!