Facts and Questions to ask your insurance agent when purchasing flood insurance.

Picture Credit: Nasa



FACT: Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Recovering from just one inch of water inside your building can cost about $27,000. 

FACT: Homeowners and renters insurance do not typically cover flood damage.

FACT: Floods can happen anywhere--More than 20 percent of flood claims come from properties outside the high-risk flood zone.

FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.

FACT: 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 the money back.


What questions should I ask to get the coverage I need?

talk to your insurance agent about flood insurance. Here are helpful questions to ask your agent:

  • What flood zone do I live in? What is my property's flood risk? Is there a flood map (see note below) change coming that could affect what I pay?

  • Is flood insurance mandatory for my property? Will the lender require it?

  • Do I qualify for a Preferred Risk Policy?

  • Does my community participate in the National Flood Insurance Program's Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?

  • What will and won't be covered?

  • Will the federal government back my flood insurance policy?

  • How much coverage should I get for my building and for my contents?

  • How can I reduce the cost of my flood insurance?

  • Are there additional expenses or agency fees?

  • Will my policy provide Replacement Cost Value or Actual Cash Value—and what's the difference between the two?

  • Who should I call if I have a flood claim?

  • How can I pay for my policy?

  • How do I renew my policy?

What Is An Elevation Certificate And Why Might I Need One?

Your insurance agent may ask you for an Elevation Certificate (EC). This certificate verifies your building's elevation compared to the estimated height floodwaters will reach in a major flood in a high-risk flood area.

It's also beneficial to ask if your community participates in the Community Rating System (CRS), because this could mean local officials already have a copy of your EC on file. Policyholders with insured properties in communities that participate in CRS may be eligible for policy discounts.

A property owner in a high-risk flood area always has the right to purchase an EC, which may reduce your flood insurance premium. Please contact a licensed insurance agent for further information.

Information from this article found here. Check out more info:


Based on what National Flood Insurance has learned over the years, we know that floods can happen anywhere in the United States.


Picture credit: FEMA


A question we commonly get asked is,


“Do I need flood insurance?” The simple answer is, Yes.

In fact, 25% of all flood insurance claims come from moderate- to low-risk areas. This means you don't have to live in a high-risk zone to be affected.

Getting a flood insurance quote is easy and having flood insurance means you’re covered if groundwater rises and floods your home – something that isn't usually covered by general homeowner insurance policies.


General Facts About

Flooding and Flood Insurance

Wherever it rains, a flood can happen and

it’s not just surrounding water that makes

certain states flood-prone.


Flooding is a year-round, coast-to-coast threat to the United States

as geography, seasonal weather, and human activity all play

a key role. Flooding generally occurs when there is continuous

rain over several days, when severe rain occurs over a short

period of time, or when ice melt or a debris jam causes

a river to overflow in its surrounding area.

Flooding isn’t, however, all-natural.


Flooding can also result from the failure of manmade

water control structures such as a levee or dam failure.

However, the most common cause of flooding, especially

in high-risk states such as Florida, Texas, Louisiana,

North Carolina, and other coastal locations, is from rain

and/or snowmelt that accumulates faster than

grounds can absorb it or rivers can carry it away.


These facts and more information found here: National Flood Insurance

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