When it comes to floods, many people don’t think much about them until they happen. That’s often when people find out that their home insurance doesn’t cover them against floods. This can be a terrible realization when people are left with all of the bills for the repairs needed. To avoid that situation, it’s important for all homeowners to have flood insurance. To get your coverage, call us at BES & Associates Insurance in Walford, MD.

Flooding and Flood Zones

Flooding is most prevalent in areas that have been designated as flood zones. These often come with a rating for how many years average in between floods. Those who own homes within those zones are generally required to have flood insurance. If you live in a flood zone, you should never be without it. However, if you don’t live in a flood zone, you still need to have this insurance. Among all of the claims that come in for flood damage, about 20% of them are from non-flood areas that aren’t in a zone. There are many weather events that can cause this, and it can be extremely destructive to homes.

The National Flood Insurance Program

This is a national program backed by the government that offers flood insurance. It’s guaranteed to cover your flood damage because of that backing and support. The program makes flood insurance available across the country, and it sets a flat price for the insurance. No matter where you get the coverage, the price will be that same set amount. If you don’t have this coverage, you run the risk of flood damage that will be hard to pay for.