Flood Insurance is not included in standard Hazard Policy

standard homeowners insurance does not protect you from floods.

If you want to buy flood insurance, it must be obtained through the National Flood Insurance Program administered by FEMA.

Without specific ‘Flood' insurance, you are responsible for all costs related to flood disaster including cleanup and the contents of the home.  Most importantly...

 you cannot secure a Government loan to rebuild if you are not covered.

A year ago, the Insurance information Institute reported that 35% of all Americans mistakenly believed their homeowners' insurance policies cover repairs or replacement from flood.

Make sure you know if you are in a area designated a flood zone. A title and escrow company can tell you with a quick preliminary title search.