Insure Your Property
Protecting Yourself & Your Family
The most serious threat during a flood disaster is the potential for loss of life or bodily injury. There are some things to keep in mind if you are present during a flooding disaster.
- Stay inside if possible, unless the structure you are in has been determined to be unsafe.
- Never drive your car into ponding or flowing water. Even with as little as one foot of water, your car can be swept away.
- If your car stalls in ponding water, do not leave the vehicle for help. You may be swept away with fast moving water currents.
Remember, fast-moving water is very powerful and can cause serious damage in very little time. Never leave small children unattended during flooding conditions.
Flooding is not to be taken lightly, as this video illustrates. Just because "this property has never flooded before" doesn't mean that it will never happen!
Purchasing Flood Insurance
Ask your insurance agent if you are covered for flood damage; most homeowners policies do NOT include flood damage! Renters should also buy flood insurance for their belongings.
A policy may be purchased from any licensed property insurance agent or broker who is in good standing with the state or any agent representing a Write Your Own (WYO) company, including any employee of the company authorized to issue the coverage. More information about obtaining Flood Insurance is available at FloodSmart.gov website.
National Flood Insurance Program (NFIP) Top 10 Facts
- Everyone lives in a flood zone.
- Flood damage is not covered by homeowners policies.
- You can buy flood insurance no matter what your flood risk is.
- There is a low-cost policy for homes in low to moderate risk areas.
- Flood insurance is affordable.
- Flood insurance is easy to get.
- Contents coverage is separate, so renters can insure their belongings too.
- Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents.
- There is a 30-day waiting period before the coverage goes into effect.
- Federal disaster assistance should not be solely relied upon.