Most Homeowners Don’t Have Flood Insurance to Protect Against Damage readylifestyle.com/flood-insurance/ Joe Ready

Most Homeowners Don’t Have Flood Insurance Insurance is one of those things that a lot of preppers seem to overlook but in my opinion, it’s the one prep that you’re most likely to use! Flooding is the most common natural disaster in the United States (and the world) yet only 12% of homeowners have flood insurance. Most people don’t know that flood insurance is separate from their normal coverage and has to be purchased through the National Flood Insurance Program. Purchasing flood insurance is the number one tip in our How to Prepare for a Flood article.

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Flooding is the country’s top-occurring natural disaster, but homeowners may not know that their insurance policies likely don’t cover the extreme weather hazard. Others may have opted to not incur the additional cost when purchasing their homes, which is typically when individuals buy flood insurance. “In general, most people don’t by flood insurance unless it’s mandated by their lender,” said Josh Stichter, vice president of HUB International Insurance Services, Santa Barbara. “It’s an additional cost … and when you’re buying a home, you have a lot of expenses going on. It’s normal that homeowners are not adding on an additional cost (at that time).” Source: Emergency Preparedness: Most Homeowners Don’t Have Flood Insurance to Protect Against Damage | Emergency Preparedness 2018 – Noozhawk.com Just because you’re not in an area designated as a flood zone, it doesn’t mean that you won’t experience a flood. Other disasters, like wildfires, can be the cause of flash floods, something that people don’t often consider.

For anyone who may experience flooding after a fire, be sure to still file a claim with your normal insurance as the fire is easily explained as the reason for the flood. Interested in more preparedness articles? Check out our preparedness page. Additional reading: Flooding is Getting More Common – It’s Worse if You Live Near These 2,500 Chemical Sites 2/3

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