Most homeowners, dwelling fire, and farmowners policies exclude flood losses. The National Flood Insurance Program insures buildings and their contents on a replacement cost or an actual cash value basis against direct loss by flood. Flood insurance is offered in areas declared eligible by the Federal Insurance Administrator, and is available in other locations when you feel flood coverage may be beneficial.
Agents and brokers may arrange insurance directly with the National Flood Insurance Program or with participating insurance companies in your area. Most scientists agree that global climate warming has contributed to increased flooding risks, which will continue to grow in the 21st Century.
Flood insurance is a relatively inexpensive coverage that can be vital should flooding occur. Evaluate the cost of a flood to your property at Floodsmart.gov.
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