3/13/19 @ 9:00 a.m. - IT'S NATIONAL FLOOD AWARENESS WEEK!
Flooding is the most common and costly natural disaster and can happen anywhere. While those living in flood-prone areas are required to have flood insurance, those in low to moderate risk areas do not.
Flood damage is not covered by most homeowners insurance policies. If you don't have flood insurance and a natural disaster occurs, the costs can be catastrophic to your family. Just one inch of water can cause up to $25,000 in damage to your home or apartment.
WHY DO I NEED FLOOD INSURANCE?
FACT: Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year.
FACT: Homeowners and renters insurance does not typically cover flood damage.
FACT: Floods can happen anywhere--More than 20 percent of flood claims come from properties outside the high risk flood zone. Check out this video The Big Cost of Flooding
FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration
FACT: Most federal disaster assistance comes in the form of low-interest disaster loans from U.S. Small Business Administration (SBA) and you have to pay them back. FEMA offers disaster grants that don't need to be paid back, but this amount is often much less than what is needed to recover. A claim against your flood insurance policy could and often does, provide more funds for recovery than those you could qualify for from FEMA or the SBA--and you don't have to pay it back.
FACT: Wildfires dramatically change landscape and ground conditions, which can lead to increased risk of flooding due to heavy rains, flash flooding and mudflows.
HOW CAN I BUY FLOOD INSURANCE?
Watch these informative videos: How Can I Buy Flood Insurance; What Do I Need to Know About Flood Insurance Coverage
To learn more about factors that determine the cost of flood insurance, watch this video: What Factors Determine How Much I Pay for Flood Insurance.
-Sabrina Robertson
County Manager's Office
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