Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? Flood insurance must be obtained separately. Along with protecting you from damage, a flood insurance policy also reimburses you for the work that you and other family members do to sandbag your home, move furniture, and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100 year floodplain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high risk zone, or if you no longer have a mortgage, flood insurance is optional but beneficial.