The Rising Importance of Flood Insurance for Homeowners

The risk of flooding in many areas of the United States is on the rise, driven by a combination of climate change and other factors. As a result, more and more homeowners are turning to flood insurance to protect their properties from the financial and emotional devastation of water damage.

As an insurance agency, we understand the importance of preparing for the unexpected, and that’s why we encourage all homeowners to consider flood insurance as an essential part of their overall insurance coverage. Here are some key reasons why:

  1. Floods can happen anywhere, at any time. Even if you don’t live in a designated flood zone, you could still be at risk of flooding due to heavy rain, hurricanes, storm surge, or other natural disasters. In fact, more than 20% of flood insurance claims come from properties outside of high-risk areas.
  2. Standard homeowners insurance doesn’t cover flood damage. Many homeowners mistakenly believe that their regular home insurance policy will protect them from floods, but that’s not the case. Flood insurance is a separate policy that must be purchased separately.
  3. Flood damage can be costly and devastating. The average flood insurance claim in the United States is over $50,000, and some claims can run into the hundreds of thousands or even millions of dollars. Without flood insurance, homeowners may have to pay out of pocket for repairs, which can lead to financial hardship and even bankruptcy.
  4. Flood insurance is affordable and accessible. While the cost of flood insurance varies depending on factors such as your location, the level of coverage you choose, and your property’s flood risk, it’s generally more affordable than most people think. Additionally, flood insurance is available to anyone, regardless of whether they live in a flood zone or not.

At Floodwiser, we can help you navigate the complexities of flood insurance and find the right policy to meet your needs and budget. Our experienced agents can provide expert guidance on factors such as coverage limits, deductibles, and exclusions, as well as help you determine your property’s flood risk and how to mitigate it. Don’t wait until it’s too late – visit our website at for a flood insurance quote in under 5 minutes!

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Are you ready to save time, aggravation, and money? The team at EnsureUp is here and ready to make the process as painless as possible. We look forward to meeting you!