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Do I Need Flood Insurance?

With all the recent flooding here in New Hampshire, many people are asking the question, "Do I Need Flood Insurance?" When it comes to protecting your most significant investment - your home - against natural disasters, flood insurance plays a crucial role. Flooding is one of the most common and destructive natural disasters worldwide, causing extensive damage to properties and leaving homeowners financially devastated. In this blog post, we'll delve into the importance of flood insurance, how it works, and why every homeowner should consider obtaining this essential coverage.

1. The Rising Risk of Flooding

Over the past few decades, the risk of flooding has increased significantly due to many factors. Low-lying areas, coastal regions, and floodplains are especially vulnerable to floods, but unexpected heavy rainfall can cause flooding even in areas not historically prone to it. As a result, many homeowners who never considered flood insurance before are now facing the reality of potential flood-related damages.

2. Standard Homeowner's Insurance vs. Flood Insurance

One common misconception among homeowners is that their standard homeowner's insurance policy covers flood damage. However, this is usually not the case. Standard homeowner's insurance typically covers damages caused by fire, theft, vandalism, and some weather-related incidents like windstorm or hail damage. But when it comes to floods, you'll likely need a separate flood insurance policy to protect your home and belongings adequately.

3. The National Flood Insurance Program (NFIP)

In the United States, the National Flood Insurance Program (NFIP) was established to provide flood insurance coverage to property owners in participating communities. The NFIP is administered by the Federal Emergency Management Agency (FEMA) and offers flood insurance for residential and commercial properties. It's important to note that even if you're not in a high-risk flood zone, you can still purchase flood insurance through the NFIP at an affordable rate.

4. Understanding Flood Zones

FEMA designates flood zones based on the probability of flooding in a particular area. Zones are categorized from high-risk (Special Flood Hazard Areas) to moderate-to-low-risk (Preferred Risk Areas). Premiums for flood insurance policies vary depending on the flood zone where your property is located. Homeowners in high-risk zones typically pay higher premiums than those in moderate-to-low-risk zones, but the peace of mind and protection it offers are invaluable.

5. Coverage and Exclusions

Flood insurance provides coverage for both the structure of your home and its contents. It includes protection against damages to your walls, floors, foundation, electrical and plumbing systems, and major appliances. It also covers losses to personal belongings such as furniture, electronics, and clothing. However, it's essential to understand what is not covered by flood insurance, such as damage caused by mold, moisture, or sewer backup.

6. Additional Flood Insurance Options

For homeowners who need more coverage than what the NFIP provides, private insurance companies offer excess flood insurance policies. These policies can extend coverage limits beyond what is available through the NFIP, providing a more comprehensive protection plan.


Investing in flood insurance is an intelligent decision for any homeowner. With the increasing frequency of severe weather events and the devastating impact of flooding, being financially prepared becomes essential. Flood insurance provides peace of mind and financial security, ensuring that your home and belongings are protected in times of crisis. Whether you live in a high-risk flood zone or not, considering flood insurance should be a priority to safeguard your most significant asset - your home. Get in touch today and explore your options and make an informed decision for the protection of your family and property.

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