| Flood Insurance... |
| Top 5 Reasons for Buying Life Insurance |
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1. Pay off Debt
2. Funeral expense
3. Replace income
4. Estate Preservation
5. Business Continuation
2. Funeral expense
3. Replace income
4. Estate Preservation
5. Business Continuation
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Understanding Flood Areas
Flooding can happen anywhere, but certain areas are especially prone to serious flooding. To help communities understand
their risk, flood maps (Flood Insurance Rate Maps, FIRMs) have been created to show the locations of high-risk, moderate-to-
low risk, and undetermined-risk areas. Here are the definitions for each:
 | High-risk areas (Special Flood Hazard Area or SFHA) High-risk areas have at least a 1% annual chance of | |
| flooding, which equates to a 26% chance of flooding over the life of a 30-year mortgage. All homeowners in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance. They are shown on the flood maps as zones labeled with the letters A or V. | ||
| Moderate-to-low risk areas (Non-Special Flood Hazard Area or NSFHA) In moderate-to-low risk areas, the risk of | |
| being flooded is reduced, but not completely removed. These areas are outside the 1% annual flood-risk floodplain areas, so flood insurance isn’t required, but it is recommended for all property owners and renters. They are shown on flood maps as zones labeled with the letters B, C or X (or a shaded X). | ||
| Undetermined-risk areas No flood-hazard analysis has been conducted in these areas, but a flood risk still exists. | |
| Flood insurance rates reflect the uncertainty of the flood risk. These areas are labeled with the letter D on the flood maps. |
Consumers can call The Insurance Suite to learn how to prepare for floods, how to purchase a National Flood Insurance
Policy and the benefits of protecting their homes and property against flooding.
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What Is Home Insurance?
| Learn About Flood Insurance at the Floodsmart.gov link below... |
What About Flood Insurance