In most states, the risk of a flood is determined largely by a building’s elevation, a history of previous water damage, and the proximity of bodies of water. However, Florida residents are exposed to unique risks that make flood insurance an absolute necessity. Without it, you may incur severe losses, no matter how far from the coast you may be.

Why Everyone in Florida Needs Flood Insurance

Most of Florida sits just a few feet over sea level, which puts almost every house in the state at risk for water damage. Hurricanes often drop more than a foot of rain in a single day, overwhelming drainage infrastructure, flooding rivers, and causing retention ponds to overflow their banks. Massive storms also push storm surges up onto the coast, which can seriously damage homes located far from shore. Because of the topography and weather patterns in Florida, every house is threatened by severe flooding.

Water Damage & the Standard Homeowner’s Insurance Policy

While the standard homeowner’s insurance policy might cover water damage caused by a broken pipe or damaged roof, incidents related to rising water levels are usually excluded. To protect your investment from floods, which can completely destroy a house, you’ll need a separate flood insurance policy. This will pay to repair or rebuild your home after a flood and cover your living expenses until your house is habitable again.

Living in Florida comes with inherent risks, but Farm Bureau Insurance will protect you from the unexpected. From their offices in Blountstown, FL, they offer a comprehensive range of coverage options backed by one of the top carriers in the state. To discuss your flood insurance needs and request a free quote, visit their website or call (850) 674-5471. Like them on Facebook for news, updates, and more insurance tips.