Why do you need flood insurance?

• Flood losses are not covered by your standard homeowner's policy or other property insurance.

• Floods are the # 1 natural disaster in the United States.

• Floods and flash floods happen in all 50 states.

• Just an inch of water can cause costly damage to your property.

• Chances for flood damage occurring is 26 times greater than the chance of a fire loss.

• 1/3 of all claims paid by the National Flood Insurance Program occur in low-risk communities.

• Properties located in high-risk areas are six times more likely to have a flood than a fire during their 30-year mortgage.

• Flood insurance is a separate policy and an additional premium from your homeowners insurance.

• Homes in moderate to minimal Flood Hazard Areas are eligible for low-cost coverage. In fact, the average Flood policy costs just over $350. a year - less than $1 per day.  There are a variety of coverage limits available.

• If you are not sure if you need flood insurance, or if you want to learn more about flood insurance, please visit the Federal Emergency Management Agency at WWW.FEMA.GOV.

*Information above obtained from Floodsmart.gov and written copies can be requested at 888-379-9531.