Protecting Your 爱博体育app下载 Against Flood Loss
In 2021, the average flood claim payout from the National Flood 保险 Program was $44,401.1
The financial loss that comes with flooding can be devastating. 然而,, many Americans are not protected against flood damages, primarily because flooding is not covered under a standard homeowners policy.
低与. 高的风险
Even if you are in a moderate-to-low-risk area—homes not residing within mapped high-risk flood plains—you could suffer flooding at some point. 事实上, moderate-to-low-risk areas account for nearly 25% of all National Flood 保险 Program insurance claims and one-third of federal disaster assistance for flooding.1
To protect yourself from the financial risks of flooding, you can consider purchasing insurance through the National Flood 保险 Program, which you can obtain through a local insurance agent. However, to be eligible, you will need to live in a community that participates in the program.2
Coverage Choices
If you live in a moderate-to-low-risk area, you may qualify for coverage at a preferred rate, with building and contents coverage for one low price.
If you live in a high-risk area, the National Flood 保险 Program offers separate coverage for buildings and contents.
The cost of flood insurance depends on a number of factors, including the age of your home, the number of floors, the location of contents, and other considerations. You should consider the amount of your deductible and level of coverage before purchasing a flood insurance policy.
1. PolicyGenius.com, December 22, 2022
2. 联邦应急管理局.政府,2023
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