Most homeowners, renters and condo insurance policies do not cover flooding.  Like all weather related phenomena, flooding can be unpredictable to some degree, but, you can protect yourself by having the right insurance coverage in place. Let’s talk some basic flood insurance information to better understand the process of determining how at risk you are for flooding.

A “flood” is defined as a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mud-flow.

The flood risk for any property is determined by many factors such as flooding history, rainfall, tidal-surge date, river flow, and many more factors.

Each community is assigned a Flood Insurance  [Read more…]