Determining if you live in a flood zone has never been easier than with the Federal Emergency Management Agency’s (FEMA) Flood Map Service Center. This free-to-access and use website shows information like food zones and floodways and lets you search by address to determine if your home or one you are considering purchasing is in a high-risk flood area. Your home is designated by a zone, with the most common ones being:
- Zone A: High risk or most commonly occurring flood zone. If you live in this zone, flood insurance is likely required.
- Zone B: Homes in this area have a moderate flood hazard risk.
- Zone C: Minimal flood hazard risk
- Zone D: Possible risk of flooding, but the hazard level is undetermined.
- Zone V: Special flood hazard area for coastal areas with a high risk of floods.
In addition to purchasing flood insurance to protect your home, you can take a few other steps to prevent or mitigate flooding. Start by purchasing a flood sensor that notifies you of water leaks before they become major problems. You can purchase standalone flood sensor devices or bundle the technology with your home security system. Lastly, investing in a sump pump for your home is a relatively cost-effective and proven way to quickly remove unwanted water from your home before severe damage occurs.
At Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC, our talented and committed team of insurance professionals are ready to help you with all your flood insurance questions. Whether you are looking to learn what flood zone you are in or have questions about what a flood insurance policy covers, we are here to help. Give us a call today to schedule a no-obligation consultation with our team.
We need water to live, but sometimes water can have detrimental effects when it hits our house as a flood. The damage from a flood can be extremely costly and time-consuming to clean up, so it does not cause mold to form. A homeowner can end up pain $20,000 or more due to damages from just one flood.
People who live in floodplain areas are more than likely required to have flood insurance, but it’s a great idea for everyone to have it because you never know when a flood will occur in your area. While North Carolina homeowners are not required to obtain flood insurance, it is available throughout the state through a federally-backed program called the National Flood Insurance Program. It can be obtained through private insurance companies, such as Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC.
Types of Flood Insurance
There are two main types of flood insurance available to homeowners: building property flood insurance and personal property flood insurance. The building property type insurance will provide the replacement cost value of your house if it is destroyed in a flood or to repair damages in curd to your house from a flood. Personal property flood insurance will provide coverage to replace $100,000 of your personal belongings and household items that were inside your home and lost to a flood. This does not include the depreciation value of each item.
To obtain a private flood insurance policy with all the coverage you need for your situation, contact the flood insurance agents at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC. Call for a flood insurance policy quote or for an appointment to obtain a flood insurance policy and get it started. Time is essential since many policies do not go into effect until 30 days after the policy is initiated. In other words, do not wait until the storm is upon you to try to get your flood insurance policy in place.
If you live in an area of Nashville, NC with significant flood risk, you’re probably thinking of calling Hedgepeth-Hutson Insurance Services, Inc., but before you do that, there are a few things you’ll want to know.
- If you live in a high-risk flood zone, you might be required to buy flood insurance by your mortgage lender. Home insurance is rarely a legal mandate, but lenders can, to an extent, write their own rules in this regard.
- Even if you’re not in a high-risk flood zone, that doesn’t necessarily mean that you won’t be severely affected by a flood. If you are near a high-risk area, it only takes one foot of water to cost tens of thousands of dollars in damages to your home.
- You can generally find out your risk level by asking an insurance agent. Let them know where you live, and they’ll tell you if you’re in a high-risk flood zone.
- You can lower your rates by being flood-ready. Some of these measures may be expensive and difficult, like raising your home’s floor level, while others may be quite simple, like keeping your gutters and pipes clean.
As with any insurance policy, it’s important to remember that this is a backup plan. If you’re still home-shopping in Nashville, NC, it might not be a bad idea to check an area’s level of risk before buying.
If you’ve covered your bases, go ahead and get in touch with Hedgepeth-Hutson Insurance Services, Inc. through email or by phone and see what we can do for you. A flood can wipe out a home’s value in minutes, and your home insurance probably won’t cover it. Hedgepeth-Hutson Insurance Services, Inc. will.