Flood insurance covers water moving across the ground. Some areas—such as most of Florida—are prone to this type of phenomenon, and when rivers and lakes rise during heavy rains, nearby homes are subject to severe water damage. Mold grows quickly, and both homes and personal property can be ruined. Here are some of the key reasons you need flood insurance as a Florida resident.

3 Reasons Florida Residents Need Flood Insurance

1. Florida Is at Sea Level

Almost all of Florida is at or near sea level. This means the water table is close to the surface, so it doesn't have to rise much to cause considerable damage. Moreover, it is a peninsula surrounded by ocean, and there are more than 30,000 lakes in the state that cover more than three million acres. Florida residents are surrounded by water, and flooding is a common occurrence.

2. Florida Experiences Hurricanes

One of the most common causes of flooding in the state is hurricane activity. In 2018, Florida was struck by Hurricane Michael, the third straight year of storms that hit the state. Nearly every part of the state is affected, from the Keys to the Panhandle. Thus, no matter where you live in Florida, flood insurance is an essential investment.

3. Homeowner’s Insurance Excludes Flood Damage

You may think you are safe if you've purchased renter’s or homeowner’s insurance. In fact, most policies exclude damages caused by flooding. They cover water damage if the wind should toss a branch through your roof and allow the rain in. But, basic home insurance policies do not cover damages caused by water moving across the ground. Check your policy to make sure you are covered.

To discuss your flood insurance options with a friendly, experienced agent, contact Family First Insurance Services in Wesley Chapel, FL. They are an independent agency serving clients in and around Pasco County. They also specialize in home, life, motorcycle, boat, and auto insurance. Visit their website to message them online or call (813) 994-3900 to request a free flood insurance quote.