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Flood Insurance

If your home is in a flood zone, you will not receive federal relief from FEMA for your flood damage if you do not have flood insurance. Across the nation and in Delaware, flood insurance is generally not covered under your homeowners insurance policy. Flood insurance is the best thing you can do to protect your home, business, family and financial investment in care of a flood.

Here are some reasons to consider getting flood insurance:

  1. Protection against financial loss: Flood damage can be very expensive to repair or replace, and without flood insurance, you may be responsible for paying for these costs out of your own pocket. Flood insurance can provide you with financial protection against these losses.
  2. Mandatory requirement: If you live in an area that is designated as a high-risk flood zone by the Federal Emergency Management Agency (FEMA), you may be required to purchase flood insurance as a condition of receiving a mortgage or other type of loan for your home.
  3. Peace of mind: Even if you don’t live in a high-risk flood zone, flooding can still occur due to severe weather events, melting snow, or other factors. Having flood insurance can give you peace of mind knowing that you are protected in the event of unexpected flooding.
  4. Cost-effective: In some cases, the cost of flood insurance may be relatively low compared to the potential cost of flood damage to your property. This means that even if you don’t think you are at high risk for flooding, it may still be a good idea to get flood insurance as a cost-effective way to protect your property.
  5. FEMA Disaster Assistance may not be enough: If your area is declared a federal disaster zone, you may be eligible for FEMA disaster assistance, but this assistance may not cover all of your losses. Having flood insurance can help supplement any assistance you may receive from FEMA and provide you with additional financial protection.
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