Do You Need Flood Insurance? Fall Storms Are a Reminder
September marks the peak of hurricane season and often brings heavy rains and unpredictable weather. Even if you don’t live near a coast, flooding can happen anywhere — and most homeowners’ insurance policies do not cover flood damage.
Why Flood Insurance Matters
- Standard policies exclude it. Most home insurance excludes flood damage, leaving homeowners unprotected.
- Flooding happens in low-risk zones too. Nearly 25% of flood claims come from outside high-risk areas.
- One inch of water can cause $25,000 in damage. Just a small amount of flooding can lead to costly repairs.
How Flood Insurance Protects You
Flood insurance helps pay for:
- Structural damage to your home.
- Essential systems like electrical and plumbing.
- Appliances, flooring, and personal belongings (if you choose contents coverage).
Don’t Wait Until It’s Too Late
Flood policies typically have a 30-day waiting period, so you can’t buy coverage right before a storm and expect immediate protection.