FEMA Flood Map Updates: Your Questions Answered

Most homeowners insurance does not include flood insurance. Flood insurance needs can vary within a single town, area, and state. The only way to know for sure what your needs are is to contact a flood insurance agent and have them review the flood map in your area and get an estimate for you.

You can purchase Building Property and Personal Property coverage, to cover your house or business and the contents within them. Check out our video on the claim process.

Every property is in a flood zone, the difference is the degree of risk associated with the flood zone. When you purchase a home or business that is located in a special flood hazard area (SFHA), your lender will require flood insurance. If you are located in a non-special flood hazard area (Non-SFHA), the lender might not require flood insurance but low risk doesn’t mean no risk.

Flood insurance cost can vary based on several factors. Many properties qualify for a low-cost Preferred Risk Policy (PRP). To determine the cost, and to see if you qualify for a PRP, contact a flood insurance agent. Find an insurance agent today

You can find the certificate and instructions developed by the National Flood Insurance Program (NFIP) on FEMA’s website. A flood insurance agent can help you figure out your insurance needs, and if an elevation certificate is required for the rating of your property.