Flood insurance may not be as well-known as home insurance, but it’s equally crucial. This type of insurance protects policyholders against the damage that flooding can inflict on their homes and belongings. Homeowners need to have both home and flood insurance, even if they don’t live in a flood-prone area. If you’ve been delaying looking into flood insurance, there’s no time like the present. You need this coverage now. Reach out to us at Insurance Protection Specialists in Flowood, MS.

Understanding Flood Zones

A flood zone is an area designated as prone to regular flooding. This could be every few years or every 100 years, or any number in between. It simply means that within that number of years, a flood can be expected. It doesn’t mean that there will be exactly 50 years between floods. It only means that this is the average of what you can expect. It’s possible for an area designated as a 20-year flood zone to experience floods in consecutive years.

Flood Claims

When flood claims are filed, they reveal a compelling reason why you need this insurance outside of flood zones. Approximately 20% of all claims come from areas not within flood zones. This significant number of flood claims represents a vast amount of monetary damages caused by flooding, emphasizing the importance of maintaining this insurance just in case your area floods.

Securing Flood Insurance

If you don’t have flood insurance, there’s no time to wait and see whether you need it. The fact is, even if you’re not in a designated zone, you need it. Contact us at Insurance Protection Specialists in Flowood, MS.