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The following are useful facts about Floods:
25% of flooding occurs outside areas formally designated as being flood prone (i.e. Special Flood Hazard Areas).
90% of all presidential-declared U.S. natural disasters involve flooding.
Communities particularly at risk are those in low lying areas, coastal areas, or downstream from large bodies of water.
Contents coverage can be purchased under the same policy, but with a separate premium. Contents coverage limitations are $100,000 for residential, and $500,000 for commercial properties.
Even minor flooding can cost homeowners thousands of dollars in losses and repairs.
Flood damage is virtually never covered by standard homeowners insurance.
Flood insurance purchased through the National Flood Insurance Program (NFIP) is relatively inexpensive (the average premium for $100,000 coverage is a little over $550 per year at this writing).
Floods are the most common and widespread of all natural disasters outside of fire.
Floods occur in all 50 states (they can occur any time, anywhere).
Florida residents and businesses hold more than 40% of all flood insurance policies in the nation.
Limits to coverage are $250,000 for residences, and $500,000 for businesses.
Nation-wide, flooding caused more than $4 billion a year in losses and 2,200 deaths in the 1990s.
Please note there is a 30-day waiting period when purchasing flood insurance, so plan ahead!
There is a 26% chance of experiencing a flood during the life of a 30 year mortgage (more than 6 times the likelihood of a fire).
Today NFIP insures more than 4 million policyholders in more than 19,000 communities in the U.S.
Damage to Your Home or Business
Flood Elevation Certificates
Flood Risk Assessment
Flood Warning Notices
Government Websites by
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