We, as humans, love to reside near water. However, homeowners who live near a body of water, whether that be a river, pond, lake or ocean, are likely to be aware of the risk that water presents to their property. The closer to water, the more risk of flooding. Talk about a double-edged sword, am I right?

High Risk & Low Risk Zones

Homes in a high-risk zone are required to have flood insurance. In fact, you won’t be able to close on your home until you’ve obtained flood insurance. There’s not really a way to get around this.

Flooding can happen to anyone. If you’re in a moderate to low risk region, flood insurance won’t be required, but it will be highly recommended. This is because about 20% of all flood claims come from moderate to low-risk regions, according to The Federal Emergency Management Agency (FEMA).

The bottom line: if it can rain, it can flood. Just one inch of water in your home can cost more than $25,000 in damage. Flood insurance can be the difference between recovery and financial devastation. Get protected! 

Is Your Home at Risk of Flooding?

FEMA offers a free flood risk mapping service. Here you can find information like flood zones, floodways, and your home’s risk level. Simply type in your address and let the flood map do the rest.

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