Flood Insurance


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Flood Insurance Information

There's something you should know: Flood losses are not covered by your homeowners insurance policy.

The number one disaster in the U.S., floods can happen anywhere at any time. Everyone is at risk, no matter how near or far you live from the coast. Floods are caused by storms, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains.

  • Most homeowners policies do NOT cover flood damage.
  • Only one-third of Florida residents have flood insurance, leaving $55 billion of property uninsured and many at risk for losing their most valuable possession, their home.
  • A few inches of water in your home can cause tens of thousands of dollars in damage.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

    Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
    Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

    Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

    Option 2: Buy flood insurance and stay protected no matter what.
    When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

    In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.
Flooded street
A Flood Map Change in Palm Beach County will Affect 100,000 Properties – What Now? Find the answers to some frequently asked questions about this change and how it will affect your flood risk. Learn More in our latest blog.