| Just because you live in an area that hasn't | | | | flood plain and will tell you if your home would require |
| experienced a flood in a number of years does not | | | | flood insurance. |
| meant that you don't need some form of home owner | | | | An important thing to remember is that your standard |
| flood insurance. If you live on a mountain top you | | | | home owners insurance does not normally cover flood |
| probably don't need this type of insurance. If you are | | | | damage. Water damage requires flood insurance and |
| unsure if you may need flood insurance then it may be | | | | if your foundation, interior walls and home contents are |
| a good idea to check a few of these reasons why | | | | damaged by a flood if you don't have flood insurance |
| you may need to obtain some. | | | | you may have to cover these losses out of pocket. |
| The first thing that you need to determine is whether | | | | If you do live in a flood plain having flood insurance will |
| or not you and your house is in a flood plain. | | | | help alleviate any stress you may have if your home is |
| Sometimes it's not always easy to tell if you are living | | | | flooded. Most insurance is purchased with the hope |
| in a flood plain. In many cases it is determined by the | | | | that it will never be needed. But if disaster does strike it |
| proximity of your home to the nearest body of water | | | | can help replace your loss and prevent a personal |
| which is normally a lake or river. One thing many | | | | financial disaster. |
| people don't consider is how fast a small stream or | | | | If you need more information about flood insurance |
| drainage can flood or if they are living many miles | | | | and whether or not you may need it a visit with your |
| downstream from a dam that can considerably | | | | local insurance agent will do much to answer your |
| expand the known flood plain. Many communities and | | | | questions. |
| states have specific criteria as to what constitutes a | | | | |