Buy Flood Insurance ✓

Talk to your current insurance agent about adding an NFIP policy or exploring the private flood insurance market.

Compare options between the NFIP and private insurers, who sometimes offer higher coverage limits for belongings.

Most people assume their standard homeowners policy is a "catch-all" for disasters. It isn't. Standard policies typically cover fire, theft, and even wind—but they almost universally . buy flood insurance

It’s easy to look at a sunny backyard and think your home is a fortress. But here’s the reality: . In fact, over 20% of all flood insurance claims come from properties sitting comfortably outside high-risk zones.

Check your property’s risk using the FEMA Flood Map Service Center . Talk to your current insurance agent about adding

You can't buy flood insurance while the storm is already on the local news. Most policies, including those from the National Flood Insurance Program (NFIP) , have a before coverage kicks in.

Without a dedicated flood policy, you could be left footing a massive bill for everything from warped floorboards to a ruined foundation. According to experts at FEMA , just can cause over $25,000 in damage to your home. 2. "Federal Disaster Assistance" Isn't a Magic Wand It isn't

Many homeowners skip insurance because they think the government will step in if things get bad. Here’s the catch: Federal assistance is only available if the President declares a major disaster. Even then, that aid usually comes as a that you have to pay back—with interest—on top of your existing mortgage.