Flood Insurance Explained

Whether or not you live in an area prone to flooding, flood insurance is a smart option to consider -- especially since homeowners insurance does not cover flood damage. Yes, floods occur in areas marked by heavy rainfall and other natural phenomena. But development patterns and drainage systems also play a major role in floods nationwide.

The only flood policy available to property owners in the U.S.A. is provided through the National Flood Insurance Program (NFIP). This program is administered by the Federal Emergency Management Agency (FEMA), and insurance coverage is sold through licensed agents, such as FloodBuddy Insurance.

Your flood risk is determined by your flood zone rating. This rating can change without your knowledge, which can affect the cost of flood insurance. FloodBuddy Insurance was launched to provide you with the most up-to-date information on your flood zone rating -- and insurance costs -- quickly, easily, and free of charge.

All NFIP flood insurance premiums rates are standardized and set by FEMA and the federal government, but exact flood zone determination is not. It is largely the local government interpretation of FEMA's instructions on flood zones at the county and city planning level.

There are 21,000 individual jurisdictions called "member communities" that interpret these instructions, some doing better than others. Let FloodBuddy double check your flood insurance costs. Get your FloodBuddy quote today.


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