Now would be a good time to find out if your house is in a flood zone and do a quick flood insurance check. With all the crazy weather the nation has experienced over the last couple of weeks (storms, flooding, tornadoes), it’s not a bad idea to know for sure if you need flood insurance.

Both Georgia and Alabama have had historic flooding in the past year alone!  While coastal cities from Pensacola to Destin to Miami, Florida are regularly threatened with floods as a result of hurricanes.

What many people don’t realize, however, is that a typical Home Insurance policy excludes loss due to flood.  If that last sentence sent you scrambling to find out whether your house is in a flood zone or not, don’t worry.  You can easily find out if you are living in a high-risk flood zone on the FEMA website, in just a matter of minutes.

United States map with Terrain and Contours in the Ocean

Click to use the FEMA Flood Map

What should you do if you discover that your house is in a flood zone?

  1. Check your insurance documents to see if you have a Flood Insurance policy.
  2. If you’re not sure, call your insurance agent to find out.
  3. If you don’t have a Flood Insurance policy and your home is in a flood zone, consider cutting back your Starbucks intake and use the extra money you save to buy a Flood Insurance policy.
  4. Learn more about flood insurance and call us at 888-800-4824 with any questions.

Don’t wait till it’s too late; Find out about the risks your home may be facing in the event of a flood!