Flood Insurance

Although you have a homowners policy, your home and it's contents would not be covered in the event of a flood unless you have Flood Insurance. Flood Insurance is available for the majority of homes through the Federal Flood Program.

Here are some interesting details about flood insurance:

• Maximum coverage available for a residence $250,000 dwelling and $100,000 personal property “preferred risk” coverage available for homes located in a “non-hazard” flood zone – annual premium is approximately $352
• Some factors that affect rate are: flood zone, elevation, year house was built, type of foundation and replacement cost of the dwelling
• Excess Flood coverage is available if a mortgage company is requiring more than $250,000 in coverage

 

 

	Read about MCRA being named the National Flood Insurance Agency of the year in 2009!
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