Anywhere it can rain, it can flood. If you live on a hill or in an area that has never been flooded, you may still be at some level of risk.
Flooding can be caused by heavy rains, melting snow, inadequate drainage systems, failed flood control structures such as levees and dams, as well as tropical storms and hurricanes. It is important to understand the flood risks you face before deciding whether to purchase flood insurance.
Everyone lives in a flood zone. Flood zones indicate areas of low, moderate and high risk. In low- and moderate-risk zones flooding can still occur. The risk is reduced but not removed. The fact that a flood hasn't occurred in recent years does not mean that one hasn't happened in the past or that one will not happen in the future. But flood history is only one element used in determining flood risk. Determinations are also based on evaluating your community's rainfall and river-flow data, topography, tidal surge, flood control measures, and building development (existing and planned).
Using such data, flood hazard maps have been created for most of the nation. These maps show the locations of low-, moderate- and high-risk zones. Note that in some areas of the U.S., a flood hazard study has not yet been conducted. Using these flood hazard maps, your insurance agent can help you determine your risk level and provide you with the flood insurance coverage that is right for you.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. Please contact Carroll Steele Insurance and talk to one of our Insurance Specialists to get a full understanding of the coverages available and what might be the best for your specific needs.
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