Protecting Your Property From Floods



​Floods are the most common and costly natural disaster. In the United States, they cost $8.2 billion per year, on average. However, even a small amount of water can be costly. Just one inch of water inside a building can cost around $25,000. Homeowners’ and renters’ insurance usually do not cover flood damage. A flood insurance policy can help protect your property and your peace of mind.
The first step in protecting your property is to know your risk. Use the FEMA Flood Map Service Center to find your official flood map. Remember, even if you do not live in a flood prone area, floods can occur. More than 20 percent of flood claims are filed from areas outside a designated high-risk flood zone. Next, call your insurance company. You'll want to ask some important questions, such as:

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  • What flood zone do I live in? What is my property’s flood risk?
  • How long will it take for my flood insurance policy to go into effect? While policies may differ, it typically takes 30 days from the day you purchase flood insurance for the policy to go into effect.
  • Is flood insurance mandatory for my property?
  • Is my community part of the Community Rating System (CRS)?


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