![]() Nearly 25% of all flood claims are paid to properties not located in a "high-risk" flood zone. Homes and businesses in moderate-to-low risk areas (zones B, C, or X) are not required by federal law to have flood insurance, but they should. We will help you determine exactly what flood zone your home is located in by looking up your address on the FEMA flood zone map. We use the Collier County flood maps to identify your specific flood insurance risk.Īre you required by law to buy flood insurance? – Under federal law, you are required to purchase flood insurance if you have a mortgage on your home that is backed by a federal agency, like Fanny Mae and Freddy Mac, and your home is located in a high-risk flood zone (zones A, AE, AH or VE). To help communities understand their risk, FEMA flood zone maps have been created to show the location of high-risk and moderate-to-low risk. ![]() But floods can also be caused by tropical rains which we experience all of the time here in Southwest Florida. Flooding can happen anywhere, but certain areas are especially prone to serious flooding. When people think of floods they usually think of big events like hurricanes. Let us help you determine what flood zone you are in and how much a flood insurance policy for your home will cost. Flood insurance does not require a Presidential Disaster Declaration to pay to repair your damage.Flood damage is typically not covered by your homeowners, condo or renters insurance policy.If you live in Florida you live in a flood zone!.Nearly 25% of all flood insurance claims come from homes not considered to be in a “flood zone”!.As hurricane Harvey proved in Houston, even homes located miles from the coast can be damaged or destroyed by floods. Floods cost us more than the more publicized wind damage from hurricanes, earthquakes, sink holes and wild fires. A big misconception is that it's only the homes on or near the beach that get flooded. They can happen anytime, anywhere, to anyone. Be Smart, Be Prepared, Get Insured! Call us at (239) 596-6226 for a flood insurance quote!įloods are the most common and costly natural disasters that regularly occur in the United States.
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