Q: I don’t live in a flood zone. Why would I need flood insurance?

August 29, 2018


Flood insurance is a good idea for many reasons, but the main reason is that floods don’t just happen in flood zones. Flooding is possible nearly anywhere you may live and is excluded under every homeowners policy.

The National Flood Insurance Program has established a legal definition for a flood as follows: “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.”

We’ve all heard stories of flooding experienced by various cities, including Grand Rapids several years ago. If you were the person saying, “Wow, I’m glad that wasn’t me,” you might want to consider that. Next time you may not be exempt! Flood insurance gives you confidence that, if it is you, you will have coverage to help you put life back together.

Here is some further information (including facts and myths) on flood insurance, courtesy of FEMA.

Answered by:

Celesta Franklin

Account Manager

6 years’ insurance experience, 3 years at BHS Insurance

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