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Community Happenings

FEMA: Purchase Flood Insurance to Protect What You’ve Built

10/31/2022

3 Comments

 
BOTHELL, Wash. – If you do not carry National Flood Insurance Program (NFIP) insurance, now is the time to buy it. Wildfire season is slowing down, and once the fires are out, people and communities are at risk for another threat, flooding.  Wildfires leave the ground charred and unable to absorb water. This creates a flash flooding potential for years to come, even in areas that rarely experienced flooding in the past. Sometimes these flash floods can pick up ash and large debris, turning into mudflows that are highly destructive.
Unlike many causes of damage, flooding and mudflows are generally not covered by a homeowners’ policy. An uninsured flood loss can eat into your life’s savings. Floods are the most common and expensive natural disaster in the U.S.  Just an inch of water in an average-sized home can cause $25,000 in damage. A NFIP policy protects against such losses and can ensure that a flood doesn’t bring financial ruin.
Flood insurance is easy to get, the only requirement is that you live in an NFIP participating community. These include cities, counties and other jurisdictions that manage development. You don’t need to live in a floodplain to purchase a policy. If you live outside a floodplain, insurance will likely cost less than for those living in a higher risk area.
Buyers should be aware of the 30-day waiting period for an NFIP policy to go into effect. It is important to purchase a policy now to protect your property against the continuing threat of flooding. You can usually purchase flood insurance from your current agent. If that isn’t possible, NFIP representatives can help you find one.
As with any insurance, be sure to talk with your agent about the specifics of your policy. Find out more about your risk and flood insurance at www.floodsmart.gov. To purchase flood insurance or find an agent, call 1-800-427-4661.
3 Comments
Henry Killingsworth link
4/24/2023 12:50:22 pm

Wow, it never would have occurred to me that flooding is not generally covered by homeowners' insurance. As far as I know, a rainstorm that lasts for two or more days can cause flooding. It seems like investing in insurance would be a good idea so that you don't lose everything due to a freak rainstorm.

Reply
Carolyn C. Cottrell link
8/9/2023 06:41:33 am

Thank you for sharing this vital information. Your proactive approach in highlighting the importance of NFIP flood insurance after wildfires is truly commendable. Your efforts contribute to raising awareness and protecting communities. Well done!

Reply
Flood Insurance massachusetts link
8/11/2023 06:56:15 am

A timely reminder from Bothell, Wash., about the importance of National Flood Insurance Program (NFIP) coverage post-wildfires. Charred grounds increase flood risks, impacting even low-flood-risk areas. Unlike home insurance, NFIP covers flood and mudflow damage, safeguarding savings. Remember the 30-day waiting period, and it's wise to act now to ensure protection against potential flooding threats

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​Boise, Idaho 83702
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  • Home
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