Do I Need Flood Insurance in Northeast Florida?

Fay, Gustav, Hanna, Ike, Matthew…with each storm you think, maybe I should buy flood insurance. If you have seen the damages brought about by storms, then you know that lack of preparation can be serious. If you are not covered for flooding, now is the time to re-think your flood insurance decisions.

“I’m not in a flood zone.”

While your area isn’t classified as high-risk, it isn’t immune to flooding either. In fact, almost 25% of actual flood claims come from low to moderate risk areas. Premiums as low as $129 a year could cover your property in a low to moderate risk area with a Preferred Risk Policy.

“This neighborhood has never flooded.”

New land development can increase flood risk, especially if the construction changes natural runoff paths. Weather patterns are changing.

“I can’t afford more insurance.”

You can’t afford not to purchase! Which check would you rather write: $7,500 repairs for one to four inches of water or $405 for your annual flood insurance premium for $100,000 in coverage?

Here are some other facts you should know:

  • Your homeowners’ policy does not cover flood damage.
  • Flood policies take 30 days to take effect.
  • Government assistance is only available in less than half of all floods, and it often comes in the form of a loan repayable with interest.

Flood Insurance in Palm Coast is your only guaranteed protection, getting it is easy. Just give the Mitchell Noel Agency a call at (386) 677-4761 or use the contact form. We hope to hear from you soon.

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