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Flooding? Not me! We always think it will happen to someone else.

small-house-flood-beachBy Joan LaFemina

Flood insurance is mandatory if you are in a high risk zone or an optional insurance coverage if you are in a low-to-moderate risk zone. It can help to protect your home against the damage caused by flooding.

It is important to remember that you do not have to live along the coast or near a river to need it. Areas that are considered to be at lower risk can still be vulnerable to flooding because there are so many conditions that can cause it. Some conditions that can cause flooding include drainage systems, rapid accumulation of rainfall, snowmelt, and construction run-off. Around 20% of flood claims submitted come from residents within low risk locations.

Most homeowners insurance policies do not cover flood damage. Having flood coverage can help when flood waters rise. Quotes given for flood insurance are based on a customer’s geographic location and the flood risks associated with that area. Landscapes and weather patterns are constantly changing and this can result in unexpected flooding. It’s around a 1 in 100 chance that your house could fall victim, but why gamble?  Be able to relax knowing that you’re protected in the event of flooding by getting a quote today.

Below you will find a simulator provided by Flood Smart, the official site of the National Flood Insurance Program (NFIP), that gives you the option to see what 1 inch to 4 feet of flooding can look like within your home. It will also show you what the estimated damages may be; use this tool to find out what you could be at risk of losing!

Start the Simulation

Contact Hometown Insurance Agency today to assess your flood need and obtain a no obligation quote for Flood Insurance.

Call 631-589-0100 or email us at

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