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Fire & Water - Cleanup & Restoration

What Is Flood Insurance?

3/29/2021 (Permalink)

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Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure. In many places, a flood is considered a vis major event, and the damage or destruction it causes are uncovered if you do not get supplemental insurance.

  • Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding.
  • Flood insurance policies are available for all residential and commercial properties.
  • The federal National Flood Insurance Program (NFIP) offers flood insurance to homeowners in participating communities, along with those determined to be in the NFIP-designated floodplains; though the policies are offered through private insurers, the government sets the rates.
  •  The pricing of flood insurance policy is based on the NFIP-designated flood zone in which the property is located, as well as the property age, elevation, and the number of floors.
  • Annual flood insurance premiums range from around $573 to $1,395.

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