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1033 Alliance Park Dr, Suite 201
Bloomsburg, PA 17815

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Why Flood Insurance is a Must

Even if you do not live in a flood zone, it does not mean that your home is immune from potential flooding. FEMA estimates that just one inch of water can cause $25,000 in damage. While it is easy to assume that your homeowner’s insurance policy will cover flood damage, the reality is that it is unlikely to do so. If you live in a high or medium-risk flood area, your mortgage lender is likely to require that you have flood insurance. However, if you do not have a mortgage, you should still purchase flood coverage because flooding can happen anytime, from melting snow to construction in your neighborhood to burst pipes. 

It is easy to mistake that low-risk flood zones signify no-risk flood areas. However, because flood maps change over time with factors like climate change or local infrastructure changes leading to new or different flood areas, flood insurance provides extra peace of mind. If you live in a flood zone, head over to FEMA’s Flood Map Service Center to find out more information. 

There are two types of flood insurance offered, one through the National Flood Insurance Program and the other through private insurers. Purchasing flood insurance through a private provider offers several advantages, including:

  • Higher Coverage
  • Shorter Wait For Effective Date
  • Backed by the State

Contact The Good Insurance Group LLC in Bloomsburg, PA for more information on flood insurance. Our friendly and professional team is industry-trained and highly knowledgeable on all types of insurance policies. Give us a call today to schedule a no-obligation consultation with a member of our team.