Flood Insurance

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Flood Insurance

Flood insurance protects a residence from losses caused by floods, such as heavy or prolonged rain, melting snow, coastal storm surges, congested storm drainage systems, or levee dam failure. Floods can strike anywhere, and even a single inch of floodwater can wreak $25,000 in damage. 

Damage caused by floods is typically not covered by most homeowners’ insurance policies. Whether your home, your business or your belongings are at risk from flooding, it’s critical to protect your most valuable assets.

Discover what this insurance entails and whether it’s right for you below.

U.S. States Prone To Flooding

According to data reported by the Federal Emergency Management Agency (FEMA),  the total flood hazard area is important to note when finding the right flood insurance. 

The top 10 states prone to flooding include:

  • Louisiana: 24,792 sqm 
  • Florida: 23,976 sqm
  • Mississippi: 11,068 sqm
  • Arkansas: 12,051 sqm
  • New Jersey: 1,517 sqm
  • South Carolina: 5,993 sqm
  • Maryland: 2,097 sqm
  • Delaware: 391 sqm
  • District of Columbia: 12 sqm
  • North Carolina: 8,765 sqm

Cost Of Flood Insurance

Its coverage costs the average American household $700 per year. Your rate, like those of other types of insurance, will vary according to your unique rating variables according to the National Flood Insurance Program (NFIP)

Your house (the structure) and your belongings are covered by federal flood insurance. You can choose a building-only coverage, a contents-only policy, or a policy that covers both. Building coverage typically includes electrical and plumbing systems, furnaces, water heaters, refrigerators, stoves, and built-in appliances such as dishwashers, permanently installed carpets, detached garages, and foundation walls, among others.

Coverage Options: Replacement Cost Vs. Actual Cash Value

There is no standard coverage for “additional living expenses” or “loss of use.” This usually covers your additional costs if you were unable to live in your home due to flood damage.

Frequently Asked Questions

Review some of the most frequently asked questions about flood insurance below. 

Who underwrites flood insurance in the U.S?

FEMA is still in charge of approving this insurance sold under that program and the NFIP Direct. The National Flood Insurance Program (NFIP) has more than five million policyholders and is the country’s largest single-line insurance program, with almost $1.3 trillion in coverage

Which of the following property items is not covered by flood insurance?

Trees, plants, wells, septic systems, pathways, decks, patios, fences, seawalls, hot tubs, and swimming pools are examples of property and belongings outside of an insured building.  

What are the solutions to floods?

Levees, seawalls, and tide gates are examples of flood control infrastructure that act as physical barriers to prevent places from flooding. Pump stations and channels, among other things, aid in the reduction of flooding.

Natural disasters like earthquakes and floods can destroy a community and cause havoc in neighborhoods. Even if you’re at moderate risk for flooding, risking that chance would be unwise. 

Arrange for flood insurance in your area and for your home’s safety by reaching out to professionals from Stampede Insurance to help you make the smart choice. 

Policies have different options so contact one of our staff at (888) 476-0696 for any questions you may have about your California flood insurance policy.

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