Flood Insurance Tips and Misconceptions

Flood Insurance Tips and Misconceptions (Federal Emergency Management Agency data)

Flooding is the United States No. 1 natural hazard. Homeowner's insurance will not cover flooding, but homeowners can protect their home and property by purchasing a flood insurance policy separately through their insurance agent.


Many people are under the misconception that they are ineligible for flood insurance because of the location of their home, or their mortgage status. In truth, as long as your hometown is a National Flood Insurance Program community, most homeowners, business owners and renters can get flood insurance.

Flood insurance is available nationwide.

You can get flood insurance if you live in a floodplain or high-flood-risk area.

You can get flood insurance if you live outside a floodplain, or a low-to-moderate flood-risk area -- and at lower cost.

You can get flood insurance if your property has been flooded before.

You can get flood insurance from insurance agents in your area.

You can buy flood insurance even if your mortgage broker doesn't require it.

This story appeared in The Daily Herald on page A5.