3. Why Flood Insurance is Essential—Even If You’re “Not in a Flood Zone”

Many homeowners believe they don’t need flood insurance because they’re “not in a flood zone.” That couldn’t be further from the truth….

Why It Matters
Technically, every property is in a flood zone…homeowners that say they are “not in a flood zone” actually are in a flood zone.  They are in an X flood zone, and 30% of all flood losses occur in X flood zones.  Flooding can happen anywhere—and when it does, homeowners insurance won’t cover it. Only flood insurance does.

(Check out this video we did a few years back on AE versus X flood zones)

How It Impacts You
A heavy rainstorm, blocked drain, or overfilled retention pond can lead to thousands of dollars in flood damage—even if you’ve never had a problem before. Without flood insurance, you’d be responsible for all repairs and lost belongings.

Be Proactive
Flood insurance is more affordable than most people think—especially outside of high-risk zones. Purchasing a policy before hurricane season can protect your home and finances from the unexpected…and keep in mind that there is always a waiting period before a flood policy coverage becomes effective, typically 10-30 days, so being proactive is imperative!

How Mappus (Afore) Helps
We help clients assess their true flood risk, not just what FEMA maps say. Whether through the NFIP or private flood markets, we find the best options and educate you about coverage, waiting periods, and limits.

Flooding doesn’t care about maps. Protect your home. Call Mappus/Afore Insurance for a custom flood insurance quote today.