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Flood Insurance

Flooding is a common natural disaster in the United States, and it causes more property damage than any other type of disaster. Buying flood insurance offers financial protection against flooding, however, there are some important things you should know before making a decision. If you have any questions about flood insurance in Virginia, contact The Insurance Smith Agency LLC for a helpful conversation with a knowledgeable specialist.

Who Can Purchase Flood Insurance?

Homeowners and condo owners can purchase structural coverage, which protects the property, and contents coverage, which covers personal belongings. Business owners have access to both structural coverage and contents coverage, too, but renters are only able to purchase contents coverage.

Is Flood Insurance Available in High Flood Risk Locations?

Some people don't believe they're able to buy flood insurance if they reside in a high-risk area, but this isn't the case. In 1968, the National Flood Insurance was created to provide federally backed flood insurance in areas that are susceptible to flooding. In fact, many mortgage lenders require you to have flood insurance as part of your loan requirements. This is done so that the lender's investment is protected against unexpected disasters.

Do You Need Flood Insurance in a Low-Risk Area?

It could still be to your benefit to buy flood insurance, even if you reside in a low-risk area. Approximately 20-25 percent of claims that go through the National Flood Insurance Program are from places outside high-flood-risk zones. If you reside in an area where the risk of flooding is low to moderate, look into preferred risk policies, which provide value-oriented protection.


Regardless of whether you live in a low, medium, or high-risk area for flooding, buying flood insurance protects your most valuable investment and the contents inside. Having peace of mind knowing that your home and possessions are safe alleviates stress and protects what you've worked hard to acquire. For personalized advice, reach out to The Insurance Smith Agency LLC for an in-person visit or a chat over the phone.

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