Do you Have Flood Insurance?

Floods are the #1 natural disaster. 

Each year, more U.S. properties within flood plains are destroyed by flooding than by fire.  Changing weather patterns, increased urban development, and the leveling of forests have reduced the land’s natural ability to absorb water. 

A Homeowners Insurance Policy doesn’t cover flooding. 

Property owners know a Homeowners policy covers fire damage, but most don’t realize that it won’t cover flood or mudslide damage.  Rising waters and debris can destroy your home, business and personal belongings within minutes.

Federal assistance is difficult to obtain. 

Most floods don’t qualify for federal disaster aid.  Only floods that are declared national disasters by the President qualify for federal assistance.

Flood damage is a growing problem. 

As more flooding occurs throughout the country, the cost of rebuilding is skyrocketing.  Floods now cause more than $2 billion in property damage each year.  That’s your tax money being used to help thousands of flood victims across the country.  There is an answer. –Flood insurance.

Flood Insurance is easy to buy. 

Anyone can buy flood insurance if his or her property is located in a community that participates in the National Flood Insurance Program.  Homes, condos, apartments, and business structures are all eligible.  Even renters may purchase flood insurance for their possessions.  Flood premiums are set by the U.S. government.  The average Flood policy is only $324 a year.