Buy | Flood Insurance

Many homeowners skip insurance because they think the government will step in if things get bad. Here’s the catch: Federal assistance is only available if the President declares a major disaster. Even then, that aid usually comes as a that you have to pay back—with interest—on top of your existing mortgage.

Talk to your current insurance agent about adding an NFIP policy or exploring the private flood insurance market.

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If you’ve been on the fence about whether to buy flood insurance, it’s time to bust a few myths and see why this might be the most important "extra" policy you ever get. 1. Your Homeowners Insurance Has a Secret Exit

It’s easy to look at a sunny backyard and think your home is a fortress. But here’s the reality: . In fact, over 20% of all flood insurance claims come from properties sitting comfortably outside high-risk zones. Many homeowners skip insurance because they think the

Without a dedicated flood policy, you could be left footing a massive bill for everything from warped floorboards to a ruined foundation. According to experts at FEMA , just can cause over $25,000 in damage to your home. 2. "Federal Disaster Assistance" Isn't a Magic Wand

Floods don't care about FEMA lines or historical data. They care about gravity and water. Buying flood insurance isn't just about protecting a building; it's about making sure that when the water recedes, your life can move forward. Talk to your current insurance agent about adding

There’s a common myth that flood insurance is prohibitively expensive. While rates in high-risk coastal areas can be steep, many homeowners in low-to-moderate risk areas can find policies for as little as .