Proximity to a water body is not the sole factor contributing to the risk of flood-related losses. Shifting weather patterns and increased severe storms globally are causing more frequent losses, even in areas not traditionally prone to floods. Notably, standard homeowners policies do not cover flood damage. Is your home potentially exposed to this risk?

Summary:

Safeguard your home and its contents against specific flood-related losses by acquiring a flood insurance policy. This coverage, as outlined by the National Flood Insurance Program (NFIP), can be obtained separately either through the federal program (NFIP) or a servicing carrier known as a write-your-own carrier.