Flood Insurance

Every year, according to the National Flood Insurance Program (NFIP),  flooding causes more than $2 billion of property damage in the U.S.  More and more buildings, roads and parking lots are being built where forests and meadows used to be, which decreases the land's natural ability to absorb water. The changing weather patterns, coupled with such robust construction have made recent floods more severe and increased everyone's chance of being flooded.  

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? There's something you should know: Flood losses aren't covered by your homeowners insurance policy.

Insurance Industry Definition: 

Flood is defined by the National Flood Insurance Program: "A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from:

  • Overflow of inland or tidal waters; or - Unusual and rapid accumulation or runoff of surface waters from any source; or - Mudflow; or - Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above."

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