Why You Need Flood Insurance
Flooding is the most common and costly natural disaster in the United States, and California is no exception. Despite its arid climate in many areas, California is prone to flooding due to heavy rainstorms, snowmelt, and even coastal storm surges. Homeowners insurance typically does not cover flood damage, making separate flood insurance essential for protecting your property.

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Who Should Get Flood Insurance?

• High-Risk Areas: Homeowners in areas designated as Special Flood Hazard Areas (SFHAs) by FEMA are required by lenders to have flood insurance.

• Moderate-to-Low Risk Areas: Even if you’re not in a high-risk zone, about 25% of flood claims come from moderate-to-low risk areas. It's worth considering flood insurance regardless of your location.

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What Does Flood Insurance Cover?
Building Coverage: This covers the structure of your home, including the foundation, electrical and plumbing systems, central air conditioning, furnaces, water heaters, refrigerators, stoves, built-in appliances, and more.
Contents Coverage: This covers personal belongings such as clothing, furniture, electronics, and certain valuables (up to a specified limit). Note that some items like basements, patios, decks, and swimming pools may have limited or no coverage.

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How to Get Flood Insurance
Flood insurance is typically purchased through the **National Flood Insurance Program (NFIP)**, which is managed by FEMA.

Policies can be bought through Newell insurance agency.

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Waiting Period

There is typically a 30-day waiting period from the date of purchase before the policy takes effect, so don’t wait until a storm is imminent to buy insurance.

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Cost of Flood Insurance
The cost of flood insurance varies depending on several factors, including:
- The location of your home (flood zone)
- The age, structure, and elevation of your home
- The amount and type of coverage you choose

On average, flood insurance costs can range from a few hundred to several thousand dollars per year, depending on risk factors.

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Reducing Flood Insurance Costs
Elevation Certificates: An elevation certificate verifies your home’s elevation relative to the estimated base flood elevation. Homes elevated above the base flood elevation may qualify for lower premiums.
Mitigation Efforts: Installing flood openings, elevating utilities, or reinforcing your home’s foundation can help lower insurance costs.
Community Rating System (CRS): Some communities in California participate in FEMA’s CRS program, which offers discounts on flood insurance premiums for homeowners in participating areas.

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What to Do Before and After a Flood
- **Before**: Document your property with photos and keep an inventory of belongings. Know your flood zone and have an emergency plan in place.
- **After**: Contact your insurance agent immediately to file a claim. Document any damage with photos and receipts for any repairs.

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Important Resources

FEMA’s Flood Map Service Center
National Flood Insurance Program (NFIP)
California Department of Insurance

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Flooding can happen when you least expect it, and being prepared with the right insurance coverage is crucial to protect your home and financial future.