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Auto & Home > Flood Insurance

Did you know? Flood losses are not covered by your homeowner's policy. Flood insurance is always written as a separate policy. Floods do not only happen in coastal areas of Florida. The entire state is relatively low lying and many claims come from insureds not in a 'special hazard flood zone.' Flood Insurance is such a big deal that the Federal Government runs a National Flood Insurance Program (NFIP). The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas. You can enter your address at www.floodsmart.gov to find out your risk.

> Why you need Flood Insurance

  • Floods and flash floods can occur anytime anywhere.
  • You can't rely on Federal Disaster Assistance alone.
  • Flood insurance is more affordable than you think.
  • You live in Florida.

> Understanding flood zones

Flooding can happen anywhere, but certain areas are especially prone to serious flooding. To help communities understand their risk, flood maps (Flood Insurance Rate Maps, FIRMs) have been created to show the locations of high-risk, moderate-to-low risk, and undetermined-risk areas. Here are the definitions for each:

High-risk areas (Special Flood Hazard Area or SFHA) High-risk areas have at least a 1% annual chance of flooding, which equates to a 26% chance of flooding over the life of a 30-year mortgage. All homeowners in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance. They are shown on the flood maps as zones labeled with the letters A or V.

Moderate-to-low risk areas (Non-Special Flood Hazard Area or NSFHA) In moderate-to-low risk areas, the risk of being flooded is reduced, but not completely removed. These areas are outside the 1% annual flood-risk floodplain areas, so flood insurance isn't required, but it is recommended for all property owners and renters. They are shown on flood maps as zones labeled with the letters B, C or X (or a shaded X).

> The major flood causes

Tropical Storms and Hurricanes—Hurricanes and tropical storms pack a triple threat: high winds, soaking rain, and flying debris. They can cause storm surges to coastal areas, as well as create heavy rainfall which in turn causes flooding hundreds of miles inland. Coastal communities are at the greatest risk, but inland communities can also be affected as we've recently seen.

Heavy Rains—We get some torrential down pours in Florida during the summer months. As we saw in 2008, it doesn't take a tropical storm or hurricane to produce enough rain to flood even our inland communities.

New Development—Construction and development can change the natural drainage and create brand new flood risks. That's because new buildings, parking lots, and roads mean less land to absorb excess precipitation from heavy rains, hurricanes, and tropical storms.

> Preferred Risk Policy—It costs less than you think

These are flood policies on properties in low to moderate risk areas.
RESIDENTIAL: Preferred Risk Policy (ZONES B, C, X)
Preferred Risk Policies are offered in two types: Building & Contents and Contents Only. These policies come with predetermined coverage and deductible options. We've included a chart below with sample premiums

Preferred Risk Flood Rates

Buildings/Contents
75,000/30,000
100,000/40,000
125,000/50,000
150,000/60,000
200,000/80,000
250,000/100,000

Annual Premium
$279.00
$310.00
$332.00
$354.00
$388.00
$412.00

A flood map of your property can be viewed at: www.fema.gov/hazard/map/firm.shtm

Get a quote today and find out how much you may be able to save. Request an ONLINE QUOTE, or call our Fort Myers office at 239-689-8570 or Orlando office at 407-730-3448.