Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 19, 2020

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Flood Damage

Depending on where you live, flood insurance may be required on your home. In the United States, the devastation left in the wake of Hurricane Katrina has led to changes in requirements for flood damage.

Even if you happen to live or work in an area that does not have a history of flooding, your property is still at risk from this type of hazard. Flooding can and does occur in all regions of the United States, and home and business owners, as well as people who rent their home, can get coverage if they wish.

While federal grants can help some people who have property damage as the result of a flood, many people who need assistance simply don’t qualify for this type of assistance in the amounts they require. The flood victims are faced with arranging for a home loan to cover the cost of cleaning up and replacing property after the event.

These funds, plus interest, need to be paid back. A better choice is to buy a flood insurance policy so that you can protect your home or business from the damage that flooding can bring. A standard homeowners insurance policy will not protect you from flooding, so the time to buy a policy is before disaster strikes.

To compare home insurance quotes and speak to local insurance professionals that can help you to determine if you need flood insurance then just enter your zip above!

Flood Risk Zones

The staff at the Federal Emergency Management Agency (FEMA) has been working to update the country’s flood risk zone maps to determine how likely it is that a particular area will experience flooding. Based on the designation that a neighborhood has been given, flood insurance may be mandatory.

In a situation where a property has an existing mortgage, the lender may require that the buyer arrange for flooding insurance as a condition of advancing the funds. This is a case where the lender is trying to protect its investment, in much the same way that fire insurance is required by lenders.

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Flood Zone Designations

If you live in a flood risk zone that has been given a B, C or X designation, you are in one that is considered a low-to-moderate risk area for experiencing flooding. Living or owning property in one of these areas means that you are outside of area that has a 1% or greater chance of sheet-flow flooding, stream flooding or experiencing flooding from levees. You still have the option of buying flood insurance if you wish.

A property in an area that is listed in an A zone must have flood insurance in place. This designation includes properties with a 1% chance of flooding, as well as a 26% chance of flooding over the life of a 30-year mortgage. The A-zones also include areas with a history of shallow flooding on an annual basis of between one and three feet and also have a 26% chance of flooding over a 30-year mortgage.

Areas near a construction zone for a dam or levee (either being constructed or repaired) fall into this category. In the latter case, the policyholder will be required to buy the flood coverage, but will get a preferred rate if the construction or repair is performed in compliance with relevant floodplain management regulations.

Coastal areas are considered high-risk for flooding. In the case of a property located in an area that has a 1% chance of flooding and a 26% of this type of event during a 30-year mortgage and is at risk for sustaining damage from storm waves as well.

The final designation for flood risk zones is called “D.” These are areas where the risk of flood damage is possible but the precise level is undetermined. The insurance company will calculate premiums for customers based on this information.

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Where to Get Flood Insurance

Your standard homeowners insurance policy does not cover damage caused by flooding. During the time you occupy your home or business property, you are far more likely to experience a flood than have fire damage. If you live in a participating area, you can arrange coverage through the National Flood Insurance Program. This protection is offered by insurance companies and backed by the federal government.

Flood insurance may be required in your neighborhood, depending on where you live or work. Even if you are not specifically required to have it in place, you should still consider this protection.

The premium rates may be a lot lower than you think, and you can get quotes from several companies for insurance coverage by clicking on the free insurance tool on this page. Why don’t you start the process right now?