While flood insurance is usually optional, your mortgage provider may require you to carry it if you live in a high-risk flood zone. However, even those that live in a low- to moderate-risk flood zone can benefit from flood insurance. These areas, although they may not be near large bodies of water, can still flood as a result of poor drainage systems, significant amounts of rain, construction run-off, snow melting, and more. In fact, almost 30% of flood claims come from areas outside of high-risk zones.
Don’t be caught off guard with no way of protecting what is most important to you. If the NFIP is not available in your area, we can work with private insurance companies to find you coverage.