Anywhere it rains, it can flood. A flood occurs when two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Floods can be rare, unexpected or frequent where your home or business is, but a flood risk is always present and it takes but an inch of water to cause devastating damage to your property. Your homeowner, condo, renter and business policies do not cover damage by flooding, so it is important to have protection from the floods associated with hurricanes, tropical storms, heavy rains, snowmelt and other conditions that impact the U.S.

Flood Facts

• Floods and flash floods happen in all 50 states.  Everyone lives in a flood zone. 
• A car can easily be carried away by just two feet of floodwater. 
• Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire. 
• One-third of all claims paid are for policies in low-risk communities. 
• Floods are the #1 most common natural disaster in the United States. 
• 90% of floods aren’t declared federal disasters leaving the full cost to rebuild up to the home or business owner. Flood insurance protects you whether or not a disaster is declared.
• The National Flood Insurance Program (NFIP) awarded over $16 billion in flood claims in 2005.