Does My Homeowner Insurance Policy Cover Flood Damage?

Severe flooding in front of a house up to windows, nearly covering a 20 mph speed limit sign.

According to the Federal Emergency Management Agency (FEMA), flooding causes billions of dollars of property damage in the United States each year. If you are like many homeowners, however, you may be unaware that the standard Homeowner Insurance policy you buy does not cover flood losses. You may believe that you have a low risk to this peril, but FEMA reports that approximately 33 percent of all flood claims occur in communities in which flooding is deemed to be a low-to-moderate risk. So do you really need a separate flood policy? The following tips and ideas may prove helpful in answering this question.

Please note that Western National does not sell Flood Insurance.