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Flood Insurance


Flood Insurance Information

 

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Can you afford to not have it?

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

If your home is located in a high-risk flood area and you have a mortgage from a federally regulated or insured lender, you are required to purchase a flood insurance policy. However, even if you are not in a flood zone, you may still want this very affordable protection for your home. Flood insurance includes losses resulting from water overflowing inland or tidal waters, heavy or prolonged rain, storm surge, blocked storm drainage systems, or broken dams or levees. Remember, water has to have damaged two or more properties or cover at least 2 acres of land to be considered a flood.   

Flood insurance through the NFIP does not take effect until 30 days after you purchase a policy. However, we do have options for private markets.

 


What is the NFIP?

The National Flood Insurance Program, administered by FEMA, aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically. Watch the video below to find out what you need to know about flood insurance coverage.

 

View in FEMA Multimedia Library - Click this link to view the video with subtitles.

 


 Helpful Articles on our Blog

  • How to Set a Deductible for Flood Insurance
  • Flood Insurance for Low-Risk Homes
  • Dirty Waters: Why Health Risk Exist During Flooding

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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Stuart Office
2041 E. Ocean Boulevard
Stuart, FL 34996

Phone: (772) 287-3366
Fax: (772) 287-4439
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