Plan to evacuate as soon as the National Weather Service issues a flood watch - before the conditions become treacherous. If you’re on the road when water starts to rise, turn around if you see standing water. Most flood-related deaths occur when people attempt to drive on flooded roadways. Just two feet of rushing water can carry the car away.ĭon’t plan on driving. To help prevent or reduce damage, waterproof your basement keep valuables and important documents in a safe, top-floor location and have an electrician elevate electrical panels, switches, sockets, and appliances.įACT: You can lose control of your vehicle in just six inches of slow-moving water. This makes it important to protect your property. Use this tool to check whether your zone has a low, moderate, or high risk of flooding.įACT: It only takes a few inches of floodwater to cause thousands of dollars in damage. There are different levels of flood risk, though. You should learn flood safety and know how to react quickly if floodwaters head your way.įACT: You live in a Federal Emergency Management Agency (FEMA)-identified flood zone. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage.Get the facts about flooding so you’re ready if disaster strikes.įACT: All 50 states have experienced flooding in the past five years. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. Flood insurance can be purchased separately through the National Flood Insurance Program. The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. End Elapsed Time 01 minute 18 seconds Close Pop-up You can't afford to wait until flooding's in the forecast. Getting Your Policy Elapsed Time 59 Secondsĭon't you think it's time to get flood insurance? There's typically a 30-day waiting period before the policy is effective, so you may want to sign up today. Just a few inches of water in your home can cost tens of thousands of dollars. Still not convinced? Think about how much a flood could cost you. Yet, only 12% of the countries homeowners have flood insurance. In the past five years, all 50 states have experienced a flood or flash flood. Here's more proof why you should consider flood insurance. That's reason enough to think about getting flood insurance or renewing your policy.ĭid you know: Typical homeowners insurance policies don't cover floods. In fact, one in five flood claims are from moderate or low-risk areas. It's time to accept the following fact before it's too late: every home is at risk of flooding.Įven if your house is in a "low-risk" flood zone, "low-risk" does NOT mean "no-risk." Reasons to Get Flood Insurance Elapsed Time 21 Seconds You've heard it before: When it rains, it pours.īut here's a little twist for you: When it rains, it also can flood - wherever you live.
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