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Can I buy flood insurance even if my house isn't in a high risk flood zone?
My area is listed as a moderate to low risk. Can I still buy flood insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“As long as your community participates in the National Flood Insurance Program through FEMA, you’re able to purchase flood insurance.
As FEMA controls flood insurance, communities have to opt-in for coverage. If your community isn’t a part of the program, you can’t purchase flood insurance.
While your home may be in a low to moderate risk zone, it’s still worth purchasing flood insurance if you’re able to. Flood and water damage is a common exclusion on a majority of home insurance policies. If a flood were to occur and your home was damaged, you wouldn’t be able to submit a claim to your insurance company.
There are several ways to obtain flood insurance. You can go directly through FEMA or many insurance companies participate in the Write Your Own program. This program allows private insurance companies to issue and maintain flood insurance.
If you currently have a home or
car insurance
policy, you can see if they offer flood insurance. Many companies will allow you to bundle your policies, which can also save you money. If your insurance company doesn’t offer flood insurance, you may have to shop around to determine which companies in your area offer flood insurance.And like you would with home insurance, you should do the same biannually or annually with your car insurance coverage. Download the
Jerry
app to compare quotes and find the best option possible.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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