There is some debate as to whether it makes sense to obtain flood insurance for a property that is not in a flood zone. Though most of Tomball, TX is susceptible to strong winds, some parts of the area are not highly vulnerable to flooding.
Does it really make sense to get flood insurance in such instances? Hastings Insurance Agency LLC is here to help you make the right decision.
Flood Insurance When Not in a Flood Zone
Those who live in a flood zone are required to obtain flood insurance as mortgage lenders mandate the coverage. However, those not in flood zones are not required to obtain the coverage yet doing so still makes sense. Flood waters can arise seemingly out of nowhere in mere minutes. Hurricanes lead to tornadoes and other harsh storms that sometimes cause flooding. Such flooding can extend across the entirety of the state.
If your basement or first floor is flooded, you’ll be thankful for your flood insurance. Keep in mind, the vast majority of natural disasters in the United States involve flooding. However, only one in seven of the nation’s homeowners have insurance coverage for the rushing water.
Instead of being a statistic, get flood insurance today and you’ll sleep soundly knowing your property is protected in the event of flooding.
Flood Risk Zone Maps
When deciding whether to add flood insurance, your thoughts will likely turn toward the officially mapped flood risk zones. However, even if your neighborhood is not highly susceptible to flooding, it makes sense to add flood insurance.
Keep in mind, flood zones are dynamic, meaning they change over time. Your neighborhood might be added to the flood zone map within the next year or even sooner. As is often said, it is better to be safe rather than sorry as a loss for a home without flood insurance will not be covered by federal disaster funds.
Contact Hastings Insurance Agency LLC
Serving Tomball, TX, we are proud to offer affordable and fair insurance. Reach out to us today for a customized quote.