Flood Insurance
Just because you don’t live next to a water source, you could still be at risk for a flood loss. One out every four floors occur in low risk areas.

Flood insurance is not “my basement leaked and now my family room is ruined” coverage. A flood is defined by the National Flood Insurance Program as a general but temporary condition of partial or complete inundation of two or more acres of normally dry land area, or two or more properties from overflow of inland or tidal waters, or unusual or rapid accumulation or runoff of surface waters from any  source.


In low to moderate risk areas, you may be eligible for a preferred risk flood policy at nominal rates. In a high risk area designated by the Federal Emergency Management Agency, you will be required by your lender to provide flood insurance on your home. The cost is underwritten by the Federal Government, but there is a 30 day waiting period for each policy.

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