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Flooding & Flood Risks Flooding & Flood Risks

Flooded Neighborhood

Protect Yourselft With Flood Insurance What is a Flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes , overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

What Causes Flooding What causes flooding

Fast melting snow, severe storms and heavy rainfall are some of the causes of flooding.

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Defining Flood Risk Defining flood risks

Flooding can happen anywhere, but certain areas are especially prone to serious flooding.

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Understanding Flood Maps Understanding flood maps

FEMA conducts a Flood Insurance Study and uses this data to create the flood hazard maps.

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Undergoing a Map Change Undergoing a Map Change

Flood risk can and does change over time. FEMA frequently updates flood hazard maps.

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Flood Map Update Schedule Flood Map Update Schedule

Enter your ZIP code and find out which communities in your county have maps scheduled to be updated.

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FloodSmart Video Library Floodsmart Video Library

Watch our videos: from devastating testimonials about flooding to our Home Personified commercials.

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Flood Risk Scenarios Flood Risk Scenarios

There are many ways flooding can occur, from snow melt to flash floods and tropical storms.

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Levee Simulator Levee Simulator

The FloodSmart Levee Simulator shows different ways a levee can fail.

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PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent
 


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