Flood Insurance Facts for Homeowners

Flooding is a very prominent peril in the state of Florida

There can be many different reasons an area can flood:

  • Storm Surge
  • Heavy Rainfall
  • River Flooding
  • Low Lying Area
  • Poorly drained Areas

In order to protect yourself it is important to learn what what threats regarding floods affect your community.

Florida is prominently known as having terrain that is relatively flat. This makes it difficult at times to drain water that has accumulated. This issue has resulted in hazardous flooding scenarios as seen by the El Nino floods in the year 1997-1998. The rising rivers as well as the repeated periods of torrential rainfall resulted in pooling water across land miles away from the rivers. In a lot of flooding cases small rivers have even turned to vast lakes.

One threat that comes with pooling water as result of flooding is the significant inability to judge water depth. The depth can vary drastically as water can be several feet deep right next to an area only inches deep.

Some important Flood Insurance facts are listed below

  • Most homeowners insurance policy’s do not cover flood insurance.
  • Flash floods have been known to bring water walls that can be 10 to 20 feet high
  • A vehicle can easily be carried away by only 2 feet of flooding
  • New land development can often result in flooding as many times it results in the change of natural runoff directions
  • It can take as long as 30 days after you buy flood insurance for the policy to take affect
  • The average flood losses from 1994-2004 were more than $2.4 billion
  • There was over $16 billion in flood claims in the year 2005
  • There are over 5 million people currently holding flood insurance policies in the United States
  • On average over one-third of all claims paid for flood insurance were in low-risk communities
  • You have a 15% higher chance of being affected by flooding than you do by fire

As a Florida resident it is important to be aware of the facts and prepare. For a free flood insurance quote call us today 386 734 370


Call us today for a free no obligation quote 386 734 3970

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201 N. Woodland Blvd.
DeLand, FL 32720
Phone: 386-734-3970


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