Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? It's important to obtain separate flood insurance to protect your home. A flood insurance policy not only provides reimbursement for damages but also recognizes the efforts you and your family put into protecting your home during floods.

The maps provided by the Federal Emergency Management Agency (FEMA) play a crucial role in determining flood insurance requirements. If your home is situated in a 100-year flood plain, federal flood insurance is mandatory for obtaining a mortgage. However, if your home is located outside a high-risk zone or if you no longer have a mortgage, flood insurance becomes optional.