aerial view of flooded house
Photo by Pok Rie on

When we think of floods, we often associate them with specific flood zones marked by authorities like FEMA. However, floods are unpredictable and can occur virtually anywhere. The misconception that flood insurance is only for those in designated flood zones can lead to devastating consequences. In this article, we will explore the significance of flood insurance and why it’s crucial to consider it, even if your property is not in a flood-prone area.

The Unpredictable Nature of Floods

It’s a common misunderstanding that floods are restricted to FEMA-designated flood zones. While it’s true that areas within flood zones are at higher risk, floods can and do strike beyond these marked territories. Surprisingly, more than twenty percent of flood insurance claims originate from properties situated outside high-risk flood zones.

Floods can be triggered by various factors, including heavy rains, hurricanes, storm surges, snowmelt, and even human-made disasters like dam failures. This underscores the importance of understanding that no location is entirely immune to flooding. Thus, considering flood insurance is a prudent move to secure both your property and your financial well-being.

Home Insurance and Commercial Property insurance Fall Short

One of the primary reasons flood insurance is indispensable is that conventional homeowners or renters insurance typically excludes flood-related damage, as does commercial property insurance. These policies typically cover losses resulting from events such as fires, theft, and select types of storms, while flood-related damages are not included.

Without flood insurance, you could find yourself grappling with severe financial hardship if your property or personal possessions sustain damage or are destroyed by a flood. The costs associated with repairing or rebuilding your home and replacing your belongings can be exorbitant, and flood insurance serves as a financial safety net to ease this burden.

Federal Disaster Assistance Has Limitations

Some individuals might rely on federal disaster aid in the event of a flood. While it’s true that federal assistance can be available in the aftermath of a federally declared disaster, it comes with several limitations:

  1. Limited coverage: Federal assistance is not designed to comprehensively replace or repair your property and belongings. It typically offers low-interest loans or grants that may not cover all your losses.
  2. Eligibility requirements: To qualify for federal assistance, you must meet specific criteria, and even then, the application process can be slow and bureaucratic.
  3. Waiting period: There is typically a waiting period between the time of the disaster and when federal aid becomes accessible, leaving you without immediate financial support.

The Comprehensive Protection of Flood Insurance

Flood insurance offers a dedicated safety net against flood-related damages, providing several key benefits:

  1. Property and belongings coverage: Flood insurance can encompass both your property and personal possessions, including furniture, appliances, and valuable items.
  2. Peace of mind: Knowing you have this coverage can offer peace of mind during severe weather events and heavy rainfall.
  3. Prompt assistance: Flood insurance claims are typically processed more swiftly than federal disaster aid, helping you get back on your feet faster.
  4. Affordable options: Premiums can vary depending on factors like your location and the extent of coverage, but many find flood insurance reasonably priced given the protection it provides. We offer not only NFIP policies but also Private Flood options.


Flood insurance should be regarded as an integral part of comprehensive home insurance. It serves as a financial safety net to safeguard your property and personal possessions in the event of a flood, irrespective of whether your property is located in a designated flood zone or not. With the unpredictable nature of weather patterns and the increasing occurrence of extreme weather events, it’s wise to consider flood insurance as a prudent investment in your property and financial security. Don’t wait until disaster strikes – be proactive and protect your property with the security that flood insurance offers.

Michael Vereecke

Agent/President, Customers First Insurance Group