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Learn why flood insurance is crucial for every homeowner, even if you're not in a designated flood zone. Don't wait until it's too late to protect your home.

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Flood Insurance: Why It's Critical Even If You're Not in a Flood Zone

29 February, 2024

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Imagine waking up to a beautiful sunny day, only to find your basement submerged and your belongings floating like it's some kind of pool party you never signed up for. Not the best start, right? This scenario is more common than you might think, especially outside traditional flood zones. "But I'm not in a flood zone," you say? Well, nature doesn't really check the maps. Floods can happen due to a variety of reasons: heavy rains, snowmelt, or even a nearby construction project gone wrong.

What is Flood Insurance?

Flood insurance is a type of insurance that covers your home and personal property from damage caused by flooding. Flooding can be caused by heavy rain, melting snow, storm surges, overflowing rivers, broken dams, or other natural disasters.

Flood insurance is not included in your standard homeowners or renters insurance policy. You need to purchase a separate policy from the National Flood Insurance Program (NFIP) or a private insurer to get flood coverage. The NFIP is a federal program that provides affordable flood insurance to property owners and renters in participating communities.

Why Do You Need Flood Insurance Outside Floodplain?

You may wonder why you need flood insurance if you live in a low-risk area. After all, the chances of flooding are minimal, right? Well, not exactly. Here are some reasons why flood insurance is critical even if you're not in a flood zone:

  • Floods can happen anywhere. Floods are the most common and costly natural disaster in the United States. They can affect any region, any season, and any type of property. In fact, one inch of water can cause up to $25,000 in damage to your home and belongings. You don't want to be caught off guard by a sudden flood and face a huge financial loss.
  • Flood maps are not always accurate. Flood maps are used by the NFIP and insurance companies to determine the flood risk of a property. However, flood maps are not updated frequently and may not reflect the current conditions of your area. For example, changes in land use, climate, or drainage systems can increase the flood risk of your property over time. Therefore, you should not rely solely on flood maps to assess your flood risk.
  • Federal disaster assistance is not enough. You may think that you can rely on federal disaster assistance to help you recover from a flood. However, federal disaster assistance is only available if the president declares a major disaster, which happens in less than 50% of flooding events. Even if you qualify for disaster assistance, it is usually in the form of a low-interest loan that you have to repay, not a grant. Flood insurance, on the other hand, pays you regardless of whether a disaster is declared or not, and you don't have to pay it back.

How to Get Flood Insurance Outside Floodplain?

Getting flood insurance outside floodplain is easy and affordable. Here are the steps you need to follow:

  • Find out if your community participates in the NFIP. The NFIP is available in more than 23,000 communities across the country. You can check if your community is one of them by visiting the FEMA website or contacting your local floodplain manager.
  • Contact an insurance agent. You can find a local insurance agent who sells flood insurance through the NFIP by visiting or calling 1-800-427-4661. You can also shop around for private flood insurance from various insurers, but keep in mind that private flood insurance may have different terms and conditions than the NFIP.
  • Choose your coverage level. You can choose how much coverage you want for your home and personal property. The NFIP offers up to $250,000 for the structure of your home and up to $100,000 for your personal belongings. Private flood insurance may offer higher limits or additional coverages, such as replacement cost value, loss of use, or basement contents. You should choose a coverage level that reflects the value of your property and belongings, and that you can afford to pay the premium for.
  • Pay your premium. You need to pay your premium in full before your policy becomes effective. The average annual premium for flood insurance in low-risk areas is about $500, but it may vary depending on your location, property characteristics, and coverage level. You can pay your premium online, by mail, or by phone.

What are Some Common Flood Zone Insurance Misconceptions?

There are some common myths and misconceptions about flood zone insurance that may prevent you from getting the protection you need. Here are some of them and the facts behind them:

  • Myth: I don't need flood insurance because I have homeowners or renters insurance. Fact: Homeowners and renters insurance do not cover flood damage. You need a separate flood insurance policy to get flood coverage.
  • Myth: I don't need flood insurance because I live on a hill or in a dry area. Fact: Floods can happen anywhere, even in areas that are not prone to flooding. Flash floods, mudslides, or broken pipes can cause flooding in any location. You should not underestimate your flood risk based on your elevation or climate.
  • Myth: I don't need flood insurance because I rent my home or apartment. Fact: Renters need flood insurance too. Your landlord's insurance may cover the structure of your building, but not your personal belongings. You need your own flood insurance policy to protect your furniture, clothing, electronics, and other valuables from flood damage.
  • Myth: I don't need flood insurance because it's too expensive. Fact: Flood insurance is affordable, especially in low-risk areas. You can get a preferred risk policy from the NFIP for as low as $146 per year, depending on your property and coverage level. You can also look for discounts or incentives from your insurer or community to lower your premium.
  • Myth: I don't need flood insurance because I can get federal disaster assistance. Fact: Federal disaster assistance is not a reliable or sufficient source of recovery from a flood. Disaster assistance is only available if the president declares a major disaster, which is not guaranteed. Even if you get disaster assistance, it is usually a loan that you have to repay with interest, not a grant. Flood insurance pays you regardless of whether a disaster is declared or not, and you don't have to pay it back.


Flood insurance is a vital protection for homeowners and renters in any area, even if they are not in a flood zone. Floods can happen anywhere, anytime, and cause severe damage to your property and belongings. Flood insurance can help you recover from a flood and avoid a financial disaster.

If you want to get flood insurance outside floodplain, you need to check if your community participates in the NFIP, contact an insurance agent, choose your coverage level, and pay your premium. You should also be aware of the common flood zone insurance misconceptions and the facts behind them.

Flood insurance is not a luxury, but a necessity. Don't wait until it's too late to get flood insurance. Get a quote today and protect your home and belongings from flood damage.


  • Q: How do I know if I'm in a flood zone?

  • A: You can find out if you're in a flood zone by visiting the FEMA website and entering your address. You can also contact your local floodplain manager or insurance agent for more information.

  • Q: How much does flood insurance cost in a flood zone?

  • A: The cost of flood insurance in a flood zone depends on several factors, such as your flood risk, property value, deductible, and coverage level. The average annual premium for flood insurance in high-risk areas is about $700, but it may vary widely depending on your situation. You can get a personalized quote from your insurance agent or the NFIP.

  • Q: What does flood insurance cover?

  • A: Flood insurance covers your home and personal property from damage caused by flooding. It typically covers the following items:

    • The structure of your home, such as the foundation, walls, roof, plumbing, electrical systems, etc.
    • Your personal belongings, such as furniture, clothing, appliances, electronics, etc.
    • Some items in your basement, such as furnaces, water heaters, sump pumps, etc.
    • Debris removal, mold remediation, and increased cost of compliance.
  • Q: What does flood insurance not cover?

  • A: Flood insurance does not cover everything. Some of the items that are not covered by flood insurance are:

    • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
    • Damage caused by earth movement, such as landslides, sinkholes, or earthquakes.
    • Damage to your vehicle, landscaping, fences, pools, hot tubs, etc.
    • Loss of income, business interruption, or additional living expenses.
    • Precious metals, currency, valuable papers, or artwork.
  • Q: How do I file a flood insurance claim?

  • A: If you experience a flood, you should follow these steps to file a flood insurance claim:

    • Contact your insurance agent or company as soon as possible and report your loss. They will assign a claims adjuster to inspect your property and guide you through the claims process.
    • Document your damage by taking photos or videos of your home and belongings before you start cleaning up. Make a list of the items that were damaged or destroyed, and include their value and receipts if possible.
    • Complete a proof of loss form and submit it to your insurer within 60 days of the flood. This is a sworn statement of the amount you are claiming, and it is required for your claim to be paid. You can get the form from your adjuster or insurer, or download it from the FEMA website.
    • Receive your payment. Once your claim is approved, you will receive a check from your insurer or the NFIP. You may receive more than one payment, depending on the type and extent of your damage. You can also request an advance payment to help you with your immediate needs.

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