Jonathan Roberts Insurance Agency

Based in Canton, GA

Why Flood Insurance is a Good Idea If You’re Not in a Flood Zone

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.

Why You Need Flood Insurance

Flood insurance is a type of insurance that many people don’t think much about. Of course, if they were to go through a flood, they would think about it a lot. That’s why it’s so important to have a flood insurance policy. In the Southeast US, floods happen quite often. If you’re in Georgia and you don’t have flood insurance, call us at Johnathan Roberts Insurance Agency to find out more.

Flooding and Flood Zones

There are many areas of the country, especially in the Southeast US, that are designated as flood zones. There are different types of flood zones, depending on how often the area tends to have flooding. Some are 20-year flood zones, some are 50-year flood zones, etc. However, not all flooding happens inside these zones. Among all flood claims, about 20% originate from outside any flood zone. That makes it important for everyone to have flood insurance. Flooding can happen in unlikely places, and this happens all the time. 

The National Flood Insurance Program

In the U.S., flood insurance is backed by the government through the National Flood Insurance Program. This program guarantees funds for flood damages. This program also sets the price of flood insurance. No matter where you go to look for a flood policy, it will always be the same price. That makes it easy to get this type of insurance without having to shop around for the best price. And because it has government backing, it’s a solid insurance product that is important to have for anyone who owns a home. 

Flooding Risk

No matter what your flooding risk is in Georgia, flooding can occur. Be ready by having your own flood policy. Call us at Johnathan Roberts Insurance Agency to get started with a flood policy of your own. 

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