Do I Have to Have Flood Insurance?

[{"selector":"#anim-6739a24a-c2dd-4a08-8f0c-6dfe84995b89","keyframes":{"opacity":[0,1]},"delay":250,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-54acf655-94b6-4e32-8e3b-a4ad2c6e432c","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba9d7275-f229-47c9-b4be-43dd2c9ab469","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

If you live in a low-risk area, you may not be required by law or your lender to carry flood insurance.

[{"selector":"#anim-5b924993-c577-49e4-964c-9f41680c39ae","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-03b14125-ee7e-4734-859d-2739497dc44f","keyframes":{"opacity":[0,1]},"delay":250,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

However, by federal law, if you have a mortgage and live in a high-risk area, you will be required to have flood insurance.

[{"selector":"#anim-44267a9e-433f-4cb1-84a5-469a82153af6","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e76b492e-4dad-4d4c-984c-7ee28320721d","keyframes":{"opacity":[0,1]},"delay":500,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8baa49d5-8ddc-454e-9a1f-a65b656ffc64","keyframes":{"opacity":[0,1]},"delay":250,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

If you don’t have a mortgage and live in a high-risk area, you aren’t required to carry flood insurance.

[{"selector":"#anim-3185afce-46b2-4066-83d7-e470665744f4","keyframes":{"opacity":[0,1]},"delay":250,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4a89fc39-0866-4762-bf4a-4ab1c4e2c38c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

But it would help if you thought about what that means. You are at high risk of flooding and won’t be covered if you have flood damage to your home or personal property.

[{"selector":"#anim-ba907c9c-55bc-483a-97d4-ea5317693d1d","keyframes":{"opacity":[0,1]},"delay":500,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9c284c28-af20-4901-a246-2eecf1b54803","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fc1d5d6b-a439-4155-a3c2-f84d6c114775","keyframes":{"opacity":[0,1]},"delay":500,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

The costs can be extreme and devastating. In addition, federal grant programs are unlikely to return your home to its pre-disaster condition.

[{"selector":"#anim-e8414ebc-0b87-4ffa-bd95-237ed1a5c048","keyframes":{"opacity":[0,1]},"delay":250,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ffef3863-2e9f-4b83-8d6c-72e627d332df","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

Benefits of Flood Insurance

[{"selector":"#anim-209e8eca-0f75-4e37-aa59-cfd3fb8b9581","keyframes":{"opacity":[0,1]},"delay":500,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a0beb61c-f0da-4535-931b-36a0bf943648","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-66d8cb0c-1fdb-4122-9989-904445d6a186","keyframes":{"opacity":[0,1]},"delay":500,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-16c49e4d-7307-4cc9-9575-3487acf2dcda","keyframes":{"opacity":[0,1]},"delay":500,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

It offers peace of mind and protection from catastrophic damage related to flooding. It saves you time and anxiety in the event of the unexpected. It may not only protect your home but protect your personal belongings.

[{"selector":"#anim-1aadbde1-a03b-44d3-b3db-9d55360cf52d","keyframes":{"opacity":[0,1]},"delay":250,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cc8ba9f0-8806-4eb4-abe7-95dd7105b557","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Learn more

Swipe Up

[{"selector":"#anim-55875c74-6a6b-4df6-a118-015ded5c739e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8119e87d-ad2b-4a3d-b46b-d480e1d7af1c","keyframes":{"transform":["translate3d(0px, -289.76616%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f2abe5e-8ab8-455d-8412-ffa52d843927","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9679ef44-f9a5-42e5-9ec4-11308215dcde","keyframes":{"transform":["translate3d(0px, 181.56378%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more