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Flood Insurance is There for You in the Event of a Disaster

Wherever you live, it's important to protect your home and your assets by having flood insurance.

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Why Consider Flood Insurance?

Flooding can happen almost anywhere; even outside designated high‑risk flood zones. Many homeowners are surprised to learn that standard home insurance policies do not cover flood damage, leaving them vulnerable to costly repairs if rising water enters the home.
 
Flood insurance provides an added layer of protection by helping cover damage caused by heavy rain, melting snow, storm runoff, or unexpected water intrusion. And because more than 20% of flood claims come from properties outside high‑risk areas, coverage can be valuable even if you’ve never experienced flooding before.
 
Choosing flood insurance can help safeguard your home, belongings, and financial stability, offering peace of mind in a world where weather patterns continue to shift and severe storms are becoming more common.

Debunking Flood Insurance Myths

Flooding is a risk no matter where you live.

The first myth is that insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating. Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. You need specialized insurance coverage to help protect your home from rising waters—even if you’re not in a flood zone.

Home insurance doesn’t cover flood damage.

Another myth is that home insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your home insurance policy specifically says otherwise. If it does not include coverage for floods, you’ll need to get a separate insurance policy to help protect your home from the unexpected.

Many homes are not covered by government flood insurance programs.

The third myth is a common misconception that government programs cover all flood damages. While the National Flood Insurance Program (NFIP) does provide insurance in certain areas, it only protects a limited number of homes. Most homeowners are not automatically covered by these programs. If your property isn't included, it's important to secure a flood insurance policy that suits your specific needs.

Flood Insurance FAQs

What is considered a flood?

The specifics of what’s covered may vary depending on your policy, but for the most part, flood policies may cover losses from floods caused by rainstorms, snowmelt, storm drainage systems, and dam failures.

What is the cost of flood insurance?

Costs for your flood policy may depend on the amount of risk for flooding in the area where your home is.

What steps should I take to purchase flood insurance?

Start by checking your flood risk through FEMA or your local government. Then, contact either your current provider or Blue Ridge Risk Partners for coverage options. Compare policy options and get a quote based on your property details and purchase the policy. Keep in mind that most policies have a 30-day waiting period before coverage begins.

What is the difference between having and not having a flood policy?

For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take. There are many factors that go into tailoring a policy for your home, so it’s important to understand the reality of insurance and why it’s important to have it.

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