Your home is not in a flood zone. You live far away from a river or lake, so why should you consider getting flood insurance? Several reasons should make you consider flood insurance even if you are not in a designated flood plain. Other areas can quickly flood, producing significant damage to your home that could cost hundreds of thousands of dollars. Most homeowners’ insurance policies don’t cover floods. Johnathan Roberts Insurance Agency serving Georgia and the Southeast U.S., can help guide you on why you need flood insurance.
Current FEMA Flood Maps are Inaccurate
Perhaps the most compelling reason to buy flood insurance is that current maps from the Federal Emergency Management Association (FEMA) are inaccurate as they have not been updated in several decades. FEMA has acknowledged this shortcoming and has promised to update its maps, but meanwhile, many homeowners think they aren’t in danger of flooding. When they eventually come out, new maps are expected to include many urban areas. If your area experiences excessive standing water after considerable rains, you may be in danger of severe flooding.
Excessive Rain From Hurricanes and Tropical Storms
Although our area of Georgia is well inland from the Atlantic and Gulf coasts, tropical storms frequently move inland. Even though many lose considerable strength over land, they can still produce excessive amounts of rain, which can cause catastrophic flooding. Having protection against such events is essential. Houses near rivers and in low-lying areas are most at risk.
If you’re worried about potential flood damage from tropical storms and hurricanes, get peace of mind with a flood insurance policy. Johnathan Roberts Insurance Agency, serving the Southeast U.S., can advise homeowners on the appropriate level of flood insurance for their property.