If it rains, it can flood. In Florida, the flood risk is higher because of the state's frequency of storms and surrounding waters. Homeowners' policies do not cover flooding.  Flood insurance is an investment in your financial future. One inch of water can cause $25,000 in damage, growing yearly.  A flood policy can cover both your structure and your contents. Any coverage is better than nothing…Read More

Can you get flood insurance in a flood zone? Yes, most properties in the US are mapped into a  flood zone. Flood zones geographic maps FEMA has defined according to the bearing levels of flood risk.  The Flood zones are depicted on flood insurance rate maps that FEMA creates, and each zone will reflect the severity of the risk of flooding.  You can get flood insurance in a B or X(shaded) f…Read More

Can you get flood insurance for an apartment?  The answer is Yes to both. You can get flood insurance if you are renting an apartment. And Yes, if you own an apartment building, you can and should get flood insurance to cover your investment and assets.  The difference in flood insurance for an apartment is if you are renting or the owner of the building.  First, let’s address if you are rent…Read More

Can you get flood insurance without homeowner insurance Flood Insurance is a stand-alone insurance policy that only covers flooding. Most homeowners’ policies exclude flooding from what they will cover. This question concerns us because we believe everyone should have varying insurance to offset their financial risk. Not having basic homeowners is quite risky. We have heard that statically there…Read More

Can you get flood insurance without an elevation certificate? Elevation certificates were the only way that the NFIP had real data on your properties because of their archaic maps and practices. And since they were a monopoly for 50 years, they used to force policyholder’s compliance and, in particular, forced structures built after 1973 to have an elevation certificate to get flood coverage. Th…Read More

Can you get flood insurance if you are not in a floodplain? One of the most misunderstood ideas about flood insurance is that you can only get flood insurance if you are in a high-risk flood zone. But you can and should consider getting flood insurance even if your lender doesn't require it. If your structure is in a high-risk flood zone, usually identified with an A, AE flood zone, or V, your len…Read More

Can you get flood insurance?    The answer for 99% of you is yes. We can shop for your flood insurance on your area's NFIP and the private flood insurance market. Or you can use a Flood Nerd's knowledge to do the shopping for you here. There are some acceptions specifically in COBRA or Coastal Barrier Resources flood zones. These are areas where the federal government would have liked to det…Read More

If you have a flood insurance policy through the National Flood Insurance Program (NFIP), you are used to paying all sorts of fees in addition to your premium. FEMA is making sweeping changes to the NFIP, but they aren’t sweeping away fees and surcharges. Fees for Flood Insurance Each policy issued by the NFIP comes with a serious case of fees. The Federal Policy Fee is set by FEMA and can chang…Read More