Floods are among the most destructive natural disasters, potentially ruining everything you own. Unfortunately, the property insurance clauses of the standard homeowner’s policy don’t cover damage caused by rising waters or torrential rain, which many people don’t find out until it’s too late. To ensure your home and all your belongings are adequately protected, purchase flood insurance. Knowing what flood zone you’re in is essential for determining how much coverage you need.

What Flood Zone Are You In?

While any home is vulnerable to flood damage, those at lower elevations near water sources are especially susceptible. To figure out the likelihood of a particular structure suffering in a flood, the Federal Emergency Management Agency (FEMA) creates detailed maps, which take the existing floodplains and area’s flood history into account. The agency offers an easy-to-use online tool for determining what flood zone your home is in.

How to Buy Flood Insurance

All flood policies are backed by the National Flood Insurance Program (NFIP) and sold through private agencies. Homeowners who want to purchase home and property insurance should meet with their agent, who will review your risk and recommend a policy suited to your needs. If you have a mortgage and live in a high-risk area, your lender may require you to carry flood insurance as part of the policy.

Protecting your home and the belongings inside it requires dedicated expertise and a skilled agent who will take the time to review your situation and help find the perfect policy. Michael E Glick Insurance prides itself on providing homeowners throughout the San Antonio, TX, area with high-quality flood and property insurance, offering maximum protection at the lowest rates possible. Visit the website, or call (830) 816-9488 to request your free quote, and follow them on Facebook for regular news and updates.