Hispanic woman shoveling water out of flooded house.
flood info

Flood Insurance: Why it is Essential?

Think you don’t need flood insurance? Perhaps you don’t live near water, or maybe you have a great homeowners policy. The truth is, every home is at risk of flooding. Before passing on flood coverage, here are four things you should know.

Four things you need to know

1. Every home is in a flood zone.
According to the National Flood Insurance Program (NFIP), nearly 20% of all flood insurance claims are made by homeowners living in areas considered a low risk for a flood. That means regardless of whether your mortgage company required you to purchase flood insurance, your home is at risk for flooding.

2. Most homeowners insurance policies do not cover flooding.
It’s a common misconception that homeowners insurance covers flood damage, but the truth is only flood insurance covers flood damage. Without it, the cost of the damage comes out of your pocket.

3. Flood losses are costly.
Most people don’t realize that just a few inches of floodwater can do thousands of dollars worth of damage. 

4. Flood polices are affordable.
Flood insurance may not cost as much as you think. Ask your AAA agent to provide you a quote to fit your specific needs and budget.

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Flood insurance purchased through AAA is underwritten by a participating insurer of the National Flood Insurance Program (NFIP). The NFIP is administered and regulated by the Federal Emergency Management Agency (FEMA).  Coverage is subject to all policy terms, conditions, exclusions and limitations.