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Flood insurance and high-risk areas

When buying an insurance policy, it’s a good idea to learn what your risks are. A fire can happen anywhere, for instance, but it’s much more likely to happen in drier climates. Likewise, flooding is more of a danger in some areas than others.

Find Out If You’re In A Flood Zone

One of the quickest ways to find out if your home is located in a flood zone is to check the maps at the FEMA website. Cross-reference that with your home address and you should be able to find out pretty quickly whether or not you’re likely to be affected by flooding come storm season.

The BFE And Special Flood Areas

The BFE is the Base Flood Elevation. This is the elevation at which you’ll suffer a one percent or greater chance of being affected by a flood. The higher you are above sea level, the lower your BFE compared to neighboring areas. There are also Special Flood Areas, where you are at an especially high risk for flooding. If you are in one of these areas, then your lender probably notified you during the buying process.

How Does This Affect Your Insurance?

In terms of how your risk for flooding is going to affect your insurance, you may wind up having to pay higher premiums in some areas, but the Homeowners Flood Insurance Affordability Act has done a lot to bring those premiums down, so it may simply come down to how much protection you want to buy.

We always want to plan for the worst while hoping for the best. Assure Us can help you to get a fair rate on flood insurance even if you are in a high-risk zone. Give them a call and see what they can do for you.


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