When it comes to flood insurance, once you're exposed to it you also start to encounter one of the most prevalent terms in the industry: flood zone.

Many property owners would say that they're not in a flood zone because either their real estate agent, mortgage, or insurance agent would tell them so, but are you really not in a flood zone?

The Flood Insurance Guru | Not in a Flood Zone: What Does that Mean?

Flood Zone

First, let's go over what a flood zone is. The Federal Emergency Management Agency (FEMA) who manages the National Flood Insurance Program (NFIP) or the federal flood insurance would define flood zones as an area with a specific type of flood risk according to geographical and historical data.

It's important to note that, generally, all flood insurance companies depend on FEMA's words when it comes to flood insurance. The data is dependent on floodplain devolvement in that area, floodplain status, proximity to a body of water like creeks, lakes, or rivers, history of flooding, the chance of flooding, and things like that to create an output that what we call a flood map or Flood Insurance Rate Map (FIRM).

A flood map of an area or community can show multiple flood zones since it depends on the flood risks that this area faces. These zones can range from low-risk flood zones to high-risk flood zones or special flood hazard areas (SFHA).

Now, what does it mean when people start saying that they're not in a flood zone?

 

Not in a Flood Zone?

When it comes to flood zones and flood insurance rate map (FIRM), there's no such thing as not being in a flood zone. This is a common misconception that people can get because, truth be told, every house, building, and property actually sits in a flood zone. It just depends on what type of flood zone you're in.

You see, when people say that they're not in a flood zone, this generally means that the property is not sitting in the special flood hazard area (SFHA). When it comes to the Federal Emergency Management Agency (FEMA), every house has a flood zone designation.

Most likely, when your mortgage or agent tells you that the house is not in a flood zone, what they meant is that you don't have to go face a mandatory flood insurance purchase because it's not in a 100-year flood zone.

Examples of a 100-year flood zone are flood zones A (flood zone A, flood zone AE,  flood zone AH, flood zone AR, flood zone AO) or even a flood zone V which is the coastal flood zone.

What this probably means is that when it comes to flood zone maps, the property is sitting on a flood zone C, flood zone B, or even flood zone D. Most likely, this may show up as a flood zone X and the reason why they say that you're not in a flood zone is that your flood insurance won't be required since you're in low-risk flood areas.

The Problem with Low-Risk Flood Areas

Now, it's easy to find peace of mind when you realize that you're in a low-risk flood zone where the requirement for flood insurance isn't really there at all. The problem with these zones is that 30% of the flood insurance claims come from this area according to FEMA and the National Flood Insurance Program (NFIP). Homeowners that say that they're not in a flood zone are the ones that comprise that 30% and we're only talking about FEMA's numbers.

Being in a low-risk flood zone doesn't really mean that you won't get flooded like the high-risk flood zone. There might be minimal flood hazards in the area which is why it shows that you're in these zones, but there are varying reasons why a property owner in a flood zone X can be flooded.

We've also seen low-risk zones get flooding damage due to flash floods and other severe floods throughout the year.

This is why we encourage everyone to secure flood insurance policies for their residential property or even commercial flood insurance for their business. The chances of flooding can be very low one day then skyrocket the other day, given the right circumstances. 

So when you hear someone tell you that you are not in a flood zone or they are not in a flood zone, take time to reach out to your local floodplain management standards and officials or your insurance agent to really identify what your flood zone is. It's better to be safe than sorry when the risk for flooding becomes too high and loss from flood damage becomes too unbearable.

If you have any questions on flood zones, maybe you want to know what flood zone you're in, what your flood insurance options are, or anything about a flood. Reach out to us through the links below.

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks, your flood insurance, and mitigating your property long term.

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Spring seems to be very far from keeping the rainy season from the locals of Baton Rouge in Louisiana. Today, we want to talk about the flooding that happened on May 17 (Monday) over at Baton Rouge, its impacts on the residents, and what it can mean for your flood insurance.

Rainfall and Flooding in Red Stick

It's been a long night in Baton Rouge as a slow-moving rainstorm dumped 10-12 inches of rain before midnight even struck. This in turn immediately prompted the National Weather Service (NWS) to declare a flash flood emergency across Ascension, Iberville, Livingston, and East Baton Rouge.

This caused the I-10 eastbound to be closed past Siegen Lane due to the standing water that inundated the highway. Speaking of flooded roads, fire departments had to respond to a number of water rescues for people who drove into high water.

This caused about 7000 locals to also face huge power outages. At the time of writing, the flooding extended to the early morning of Tuesday (May 18), so we're still waiting for the official damages that this flooding brought Baton Rouge, and considering the constant threat of flood, this event may still be extended.

Now, let's talk about things that you really need to know about your flood insurance in times like this.

Louisiana Flood Insurance

At the time of writing, we're looking at the state of Louisiana under threat of the upcoming low-pressure and storm systems, and at times like this, you want to make sure that you get your flood insurance in place and know how to really use it for the best when it comes to protecting and repairing your property from flood damage.

We want to talk about what to do before, during, and after flooding happens, so that you can maximize what coverages your policy is going to offer you regardless of it being from the Federal Emergency Management Agency (FEMA) or private insurers.

Loss Avoidance

It's important to note that Baton Rouge flood insurance policyholders can go through loss avoidance. Now, this is one of the things that people forget that they have on their flood policies, but this can really help you reduce the impact of floodings significantly.

Loss avoidance is a coverage that goes up to $1000 and this helps the insured to get coverage for the expenses of getting sandbags, fills for temporary levees, securing water pumps, and even the labor that goes into making these things be a part of your flood preparation. In times like this, preparing for an imminent flood that can happen any time can help you avoid damages or at least reduce it significantly.

Don't File that Flood Claim!

Stop! Don't you want to know why we discourage filing that flood claim immediately at times like this? Well, let's unpack what happens after you file these claims.

Now, generally, I'd recommend that whenever you file your flood claim since you just had flooding in your area, you want to make sure that it's at least $10,000 in damages to make sure that you get the best out of it. If it's really not that significant of damage or maybe less than $5000, $10000, you might want to hold off on filing that flood insurance claim and strategize with your insurance agent first.

Filing a flood insurance claim will grant you the coverages written on your policy however at the same time this can put your property in a bad light since there's something that's called a severe repetitive loss (SRL), sometimes known simply as repetitive loss, property list.

It's important to remember that, unlike other insurance claims, flood claims stay on the property's history forever. This is why a property that files for more than one flood claim in the last ten years will immediately be marked as a repetitive loss property.

When you get into this list, you'd expect your flood insurance premiums to go up especially if you decide to not agree with or failed to do the strict flood mitigation efforts from FEMA. This also drastically hurts the resell value of the property because you don't want to buy a very flood-prone property, right?

Flood Insurance Options

Lastly, we want to talk about your flood insurance options. If you aren't impacted by this recent flooding then it's good enough of a reason for you to make sure that you ensure that you have a flood policy taking effect on your property at all times.

The NFIP

Louisiana is a part of the participating communities in the National Flood Insurance Program (NFIP) from FEMA. This means that you get access to the federal flood insurance, disaster aid, and disaster grants that FEMA and the federal government provides. 

This means that Baton Rouge locals that go through FEMA get the coverages from the NFIP that maxes to $250,000 in property or building coverages and $100,000 for contents or the items inside the listed building. However, unless there's a presidential declaration additional living expenses and loss of use won't be provided in your standard National Flood Insurance Program policy. There are also no replacement costs with federal flood insurance.

FloodSmart | Flood Preparation and What To Do After A Flood

Since Baton Rouge is a participating community, depending on your Community Rating System (CRS) score, you're legible to get discounts on flood insurance premiums of up to 40%. With flood insurance premiums averaging $750 in Baton Rouge, it means that you get to have your rates go down to $450.

If you're looking to get a policy from the NFIP, it's important to note that you're going to have to follow the 30-day waiting period before your policy can take effect on your listed property.

The Private Flood

We also have to consider that if the NFIP coverages don't really fit what you and your property need, you can get flood insurance from private insurers.

The private flood insurance market is becoming more popular across the country and one of the possible reasons is that it has significantly lower premiums. In Baton Rouge, the average rates from FEMA are about $700 to $800 but in the private market, this can go down to an average of $300 to $400. 

Coverages in private flood can be more than $250,000 for property coverage and more than $100,000 since they don't have those max limits compared to FEMA. Private flood also includes additional living expenses, replacement costs, and loss of use. All of these coverages can take effect within 15 days and some carriers we know can actually write you a policy within the day.

We're going deeper into the eye of the storm seasons, per se. It's pretty normal to expect a lot of rainfall, hailstorms, and flooding which is why you should know how to best protect yourself from these damages. We may not be able to stop these from happening, but we can be sure to prepare how to recover from it.

If you have questions on the flooding that happened in Baton Rouge this week, flood insurance options, or anything about flood, reach out to us.

Remember we have an educational background in flood mitigation and we want to share this to help you protect your property's value long term. Click the links below to call us, get a quote for your flood insurance, or visit our YouTube channel for your daily dose of flood education videos.

The Flood Insurance Guru | 2054514294    Get Your Quote from Flood Insurance Guru    The Flood Insurance Guru | Chris Greene | YouTube

The times have been changing and if we look at the world around us, we may see some things that shouldn't be like that. If we look at how weather patterns have drastically changed and natural disasters becoming more severe, we can see that there's something wrong with the planet. That's what we want to cover today, we want to understand climate change and global warming, how are they different, and their impacts on our planet.

The Flood Insurance Guru | Blog | Climate Change and Global Warming

Climate Change

First, it's important to preface that climate change is not a synonym for global warming. Climate change is a phenomenon that scientists have been looking into even 200-years ago. They were looking into how our activities impact the climate of the Earth. It took them about a hundred years before even arriving at evidence that suggests a link between the two.

Climate change, as the name would show, is the drastic global or regional changes to climate patterns. Now, it's important that you don't confuse weather with climate. Climate is the collective weather conditions that an area experiences in a long period of time whereas weather is just how the day or maybe the week will be (like situations where we say today is sunny, rainy, or cloudy). Climate is more concerned with the prevailing weather conditions over the course of the next three months or maybe the whole year.

The Flood Insurance Guru | Blog | Climate Change and Global Warming

Climate change includes global warming but also concerns itself with the drastic weather changes other Earth being too warm. We can look at what happened in Texas earlier this year, where the state had severe winter storms or Egypt receiving snow due to the cold snap in 2013. 

Generally, climate change is blamed to be caused by the significant rise of greenhouse gases since the industrial revolution and the modern age. These are gases we release every day from smoking to car emissions and large industrial factories releasing the smoke as a byproduct of making their products.

The Flood Insurance Guru | Blog | Climate Change and Global Warming

Global Warming

Global warming on the other hand, as the name would show, is the overall drastic and continuous warming of the Earth. This is one of the impacts of Climate Change. See, when we say global warming isn't a synonym of climate change, it's because global warming is one of the effects of climate change.

As the planet heats up, we can see a rapid rise in sea levels and this isn't just because there's a hurricane, but in a more permanent sense of the change regardless of the amount of rain. This in turn can cause a huge threat of storm surge and flooding in coastal areas because seawater can easily get through the land.

The Flood Insurance Guru | Blog | Climate Change and Global Warming

Global warming is also a catalyst for more severe storms and rainfall, especially for the United States. As we get over the winter season and its colder temperatures, the sudden surge of significantly warm air brings devastating rainfall, storms, and worse hurricanes when cold winter air clashes with the upcoming warm spring season

Global warming's unnatural levels of heat also melt — at an abnormally fast rate — the ice and snow from Winter which presents the constant threat of flash flooding in areas close to these once-frozen bodies of water.  This is what we commonly refer to as spring runoff.

The Flood Insurance Guru | Blog | Climate Change and Global Warming

Both climate change and its effect on global warming are the biggest threat when it comes to the natural response of Earth to natural disasters. Due to severe wildfires taking down trees that protect us from flooding, landslides, and mudslides, but this didn't come naturally.

What Caused It?

It's often mentioned that the climate change we're experiencing is the result of our actions as humans. Yes, there's a natural way that climate change can happen, but the impacts of these are smaller and short-term compared to the long-term and huge impacts that manmade climate change is bringing.

Numerous factors contribute to greenhouse gases known as the greenhouse effect. One of the biggest causes is because we're burning a lot of fossil fuels like coal, oil, and natural gas to power everything we need like cars or other transportation, and daily energy uses like electricity and heat. These fossil fuels we're burning actually contributed about 80% of the total greenhouse gas emissions. All the abandoned oil and gas wells that are now leaking produce more methane than initially estimated that which contributes to 20% of annual methane emissions

The Flood Insurance Guru | Blog | Climate Change and Global Warming

We can also look at deforestation and wildfires taking down trees that naturally help us fight these gases. Brazil, last year, reached an increase of almost 10% on deforestation. This became the highest level since 2008 and caused even more severe forest fires that further take down trees in the area.

Climate change is the biggest hurdle we're facing when it comes to preserving the state of Earth. We always talk about preserving the value of your property long-term by protecting it from flood damage, but it can only go so far. When faced with bigger, more volatile, and violent floodings, even the best flood mitigation efforts might not be able to handle it.

The Flood Insurance Guru | Blog | Climate Change and Global Warming

We should also do our part in helping fight this climate crisis, so we also avoid severe natural disasters which only become worse each year. If you have any questions on global warming, climate change, how this can impact flood insurance, how this can worsen flood events across the country, or anything about flood, reach out to us.

Remember, we have an educational background in flood mitigation and we want to help protect you and your property against flood loss long term. Click the links below to know more, get a quote to protect yourself from flooding, and visit our YouTube channel for our daily flood education videos.

The Flood Insurance Guru | 2054514294   Get Your Quote from Flood Insurance Guru    The Flood Insurance Guru | Chris Greene | YouTube

Many people understandably stop getting flood insurance since they're in a low-risk flood zone however as we've learned in the past, this doesn't really mean a no-risk flood area. Due to this, many mortgage lenders will require you to have a flood insurance policy for your property. 

The Flood Insurance Guru | Blog | What's the Penalty of No Flood Insurance?

Let's talk about what are the impacts on your mortgage payment or escrow account when you don't have flood insurance? What responsibilities do mortgage companies or lenders have to force-place a policy or coverage for my house?

Penalties of No Flood Insurance

First, let's talk about the possible penalties you may take place if you're required to get a flood insurance policy for your building.

The Biggert-Waters Flood Insurance Reform Act enacted penalties for flood violations of $2000 with no aggregate limit. The civil money penalties (CMP) will be included upon violation of either not being able to purchase adequate flood insurance, properly force placing flood insurance, providing notification on the availability of flood insurance, and proper escrow for premiums.

The Flood Insurance Guru | Blog | What's the Penalty of No Flood Insurance?

Now, for high-risk flood zones or the Special Flood Hazard Area (SFHA), a flood insurance policy is a must as per the regulations of the Federal Emergency Management Agency (FEMA). If you're doing a federal loan, it's most likely that your mortgage lender is managed by the government, so you may be able to easily get a flood insurance policy in place from FEMA and the National Flood Insurance Program. It's also most likely that your mortgage lender is going to be the one to immediately require you to have flood insurance for the building.

Mortgage Company and Escrow Account

Now, it's important to note that if your mortgage lender, lending institution, or the bank increases, extends, or renews a loan secured by a residential property, you're going to expect them to be required to escrow all premiums and fees for the flood insurance. This is unless the bank or the type of loan qualifies for an exception to the escrow requirement.

Escrow accounts generally get impacted by flood insurance however this doesn't give you a heads up in real-time or immediately. Many times, residents don't think that they're going to be impacted until six months later when they start to receive this massive bill that's been backdated several months.

Escrows are reviewed annually and are based on when your loan is made. Simply put, the month of your review depends on the date of the purchase of your house. This is important because if you decide to change flood insurance companies before your annual review, it won't be reviewed until the set month. For example, if you bought a house in November and decide to change your flood insurance company in February, it won't be reviewed until November. This can be very surprising and can really hurt you in the long run.

Picture this, you moved into another flood insurance provider and this was an increase on your mortgage for $400 per month. This can mean that the time between the change and your annual review, you might be collecting a huge sum of money that you only get to find out that you need to pay to catch up to your escrow several months after.

How can you avoid this? Reach out to your mortgage company, provide some form of notice to your bank, review the term on your loan, and make sure that there's a second review done considering the adjustments, or more simply get the flood insurance on your own. 

Force-Placed Flood Insurance

There will be times that your mortgage company, lending institutions, and the bank will do everything to make sure that the property will be insured against flood damage. This may lead them to force place a flood insurance policy on your property. Now, this may sound like a good thing since you won't have to do the nitty-gritty of applying for a policy from the federal flood insurance or private flood insurance market. However, this is generally a bad thing since you lose a lot of flood insurance purchase benefits.

It's equally important because maybe you're in a low-risk flood zone where flood insurance is available but isn't required by the federal government on floodplain regulations, the mortgage lender can actually decide on your behalf.

This is why we really encourage that regardless of your flood zone — be it preferred zones or special flood hazard zones — you still should start to purchase flood insurance from either the National Flood Insurance Program or the private flood insurance. Not only to protect your building and contents but also to make sure that you won't get flood insurance flood-placed on your property by your lender. 

The Flood Insurance Guru | Blog | What's the Penalty of No Flood Insurance?

It's important to note that force-placed policies aren't automatically under FEMA and the federal flood insurance or your preferred private insurance company. The only time that FEMA will be providing you flood insurance coverage and handling your flood claims is if the mortgage lender and/or loan works with the federal government. Most of the time, the insurer is the mortgage lender themselves. What does this mean for you?

Well, if the policy is force-placed, you can expect that the flood insurance premium to be expensive and you really don't have a say on it. Most of the time, the flood insurance coverage on these force-placed policies will just be for the building. This means that you're going to lose a lot on your personal property since the contents aren't really covered.

Getting Your Flood Insurance

This is a good thing about doing your own purchase of flood policy. You get to receive adequate coverage for both your building, be it residential buildings or commercial buildings, and everything it in. The National Flood Insurance Program provides both building coverage and personal property or contents coverage of $250,000 and $100,000 respectively.

The Flood Insurance Guru | Blog | What's the Penalty of No Flood Insurance?

When it comes to private insurers, you may get coverage from their private flood insurance policies for additional living expenses, contents and building replacement costs, and loss of use. These are simply additional coverage from the standard coverage they provide for buildings and items or personal property coverage. 

The Flood Insurance Guru | Blog | What's the Penalty of No Flood Insurance?

Another bad thing about a force-placed flood insurance policy is that they aren't transferrable. Generally, the National Flood Insurance Program will allow a property owner to do a policy transfer and policy assumption when selling a house. When it comes to the force-placed policy since the flood policy was made with your loan, then once you sell the house the policy won't stay on the house, but you're going to have to carry it with your loan.

If you have questions on how a mortgage lender work, how to avoid getting force-placed policies, getting the choice to pick your flood insurer, special flood hazard areas, or anything about flood insurance, please reach out to us.

Remember, we have an educational background in flood mitigation and we want to share this knowledge with you. Click the links below to get started, so you too can be prepared when crap happens.

The Flood Insurance Guru | 2054514294    The Flood Insurance Guru | Chris Greene | YouTube    Get Your Quote from Flood Insurance Guru

The federal government is consistently working on the Federal Emergency Management Agency (FEMA) in order to provide proper flood protection and mitigation for residents across the country. We've covered that one of the steps is to become a participating community in the National Flood Insurance Program (NFIP), but this isn't a simple sit-down and settle the thing. In order to be able to start participating with the NFIP, you have to follow the proper pacing set by Congress.

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

Let's talk about the initial phase of becoming a participating community in the NFIP, the Emergency Program, and figure out what it is, its benefits for you as a property owner, and your flood insurance options while you're in this program.

National Flood Insurance Program's Participating Community

Other than encouraging communities to adopt and enforcing floodplain management regulations in order to reduce the flood damage from future floods and developing flood maps of flood hazard zones, the NFIP's main goal is providing affordable flood insurance for homeowners across the country.

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

In order to obtain this, FEMA, the National Flood Insurance Program (NFIP), and the community must be in agreement to voluntarily participate in the NFIP's flood mitigation efforts. When this happens, the participating community will get access to the federal flood insurance policy, disaster aid, and disaster grants. In order to continue participating, however, the community must follow and abide by the guidelines and floodplain management ordinances set by FEMA. Doing this also means generates points through what's called Community Rating System (CRS), the more points a community has, the higher benefits they get in form of discounts on flood insurance premiums.

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

These discounts start at around 5% and can go up to 45% on your flood insurance rates depending on your participating communities' efforts in reducing the general flood risk for the area. Rates for flood insurance can really be expensive especially for those in high-risk flood zones or special flood hazard areas (SFHA). 

But before you get to becoming a fully-fledged participating community, you'll be put in the Emergency Program first. 

NFIP Emergency Program Flood Insurance Coverage

Now, when you're starting with the NFIP participation program, your community will have to start with the Emergency Program. It's important to recall that when you're doing a flood policy with federal flood insurance, your overall flood coverage from flood loss and flood damages will be capped. This means that you're going to have coverage limits since the National Flood Insurance Program (NFIP) has a max of $250,000 for building coverage for a residential property. This can only go up to $500,000 if the building listed is commercial property. Regardless of the property type, a standard flood insurance policy from the NFIP will provide $100,000 max for contents coverage or personal property.

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

This is generally what you can expect once you go past the Emergency Program however if you're still in the initial phase of participating with the National Flood Insurance Program (NFIP), your coverage against flood damage is capped at $35,000 only. Considering property value nowadays, this isn't even half of what you might lose due to flooding. So, what if this isn't the right thing for you?

Flood Insurance Options

You can still go through with your community's participation with the NFIP despite having the downside of the Emergency Program's capped coverages. It's important to note that once your property starts participating, you can go through FEMA for your flood insurance.

On the other hand, there's a more viable flood insurance company compared to this that can really help you recover and prepare for the possible losses from flood events: private flood insurance.

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

Private insurance companies also provide flood policy for a much lower flood insurance premium compared to the National Flood Insurance Program. Now that your loan type won't really get in the way of getting flood insurance from private insurers, you can go with this flood insurance market. What's in it for you?

First, let's talk about the process purchase of flood insurance in the private market. When you start your flood insurance purchase with the NFIP, you may have to follow a 30-day waiting period whereas the private flood generally takes up to 15 days max for your policy to take effect after the initial date of purchase. This goes the same for flood insurance claims wherein it takes a much shorter amount of time to be completed.

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

More importantly, there's basically no maximum amount when it comes to limits of coverage. This is because private flood doesn't really do a capped amount for coverages. You can get more than $250,000 and even up to $10,000,000 for the listed building affected by flooding — or should we say buildings since you can list multiple structures in a single policy which is something that you'd need a separate policy for if you're doing a National Flood Insurance Program policy. Contents coverage can go up to $1,000,000 or even more. Apart from these, you also get additional coverage with your policy such as additional living expenses, replacement costs, and loss of use.

Overall, the choice of which flood insurance road you'll take is solely in your hands. You can wait out the participation process and do your best to help rate your CRS or you can move into the private market with its own risks like the chance of the private company deciding to pull away from your area and non-renew flood policies. At the end of the day, any form of insurance is better than having no insurance considering how flooding and disasters can happen in an instant. 

The Flood Insurance Guru | Blog | Flood Insurance Options for Communities in the Emergency Program

Remember, we have an educational background in flood mitigation, so if you have any questions on flood insurance options, flood zones, flood map changes, or anything about flood, please reach out to us. You can also check out our daily flood education videos over at our YouTube channel, so you too can be prepared when you face flood water.

Get a quote from the Flood Insurance Guru!

The Flood Insurance Guru | 2054514294Get Your Quote from Flood Insurance Guru    The Flood Insurance Guru | Chris Greene | YouTube    

In this blog, we'll answer one of the age-old questions: do flood vents lower flood insurance policy rates in Alabama?

The Flood Insurance Guru | Blog | Does Installing Flood Vents Lower my Flood Insurance Rate in Alabama

As Alabama seems to experience a slew of severe weather leading to floodings in areas, like what we've seen more recently in Birmingham and Smith Lake, flood mitigation may become the key feature in making sure that property owners like you and your property will be protected from unwanted flood water damage and a bunch of headache in the aftermath.

Flood Vents

First, it's important to understand what is a flood vent and how does it work. Also known as flood gates or flood ports, flood vents are flood openings generally built-in with the structure of your home. This allows flood water to flow through the building instead of hitting the actual property. You can recognize this as the grills on the lower part of certain buildings and if you're living in Alabama, you might want to take notes.

The Flood Insurance Guru | Blog | Does Installing Flood Vents Lower my Flood Insurance Rate in Alabama

Think of this as a new pathway for when flooding happens and you're directly in front of the water flow. These vents in turn take the water that should be hitting the foundation walls of your home or straining its exterior walls and allow it to simply pass through your property thus reducing and minimizing the damage of flood. Most of the time, the standard is that a property has at least two flood vents on two different sides of the exterior walls of your building in order for it to become viable as a flood mitigation step. 

The Federal Emergency Management Agency (FEMA) actually considers this as one of the most acceptable flood mitigation activities in reducing the risk of flooding on your building, removing the building from the severe repetitive loss list, and doing an elevation certificate. Now, does this really lower your flood insurance rate?

Federal Emergency Management Agency - WikipediaThe Flood Insurance Guru | Blog | Does Installing Flood Vents Lower my Flood Insurance Rate in Alabama

Flood Insurance Rate

To answer the question that might've been bugging you all this time, yes. More than a utility in your home's structure, flood vents are key to helping FEMA, the National Flood Insurance Program (NFIP), or even private flood in lowering your flood insurance premium rates. Any flood mitigation steps to reduce flood risks and possible flood damages are generally accepted as a condition for lowering your rates and the overall flood insurance cost for your building. This can mean that if you're paying about $1000 for your premiums, this can be lowered down to maybe $800 to $600

The Flood Insurance Guru | Blog | Does Installing Flood Vents Lower my Flood Insurance Rate in Alabama

Flood mitigation activities include raising your lowest adjacent grade at least a foot above the base flood elevation. Now, the required distance between the lowest adjacent grade or your lowest floor compared to the base flood elevation depends on your floodplain management ordinances. Some states perform a "freeboard" level where a fixed distance should be followed on the construction in order for the elevation to be accepted.

This can really be helpful for those in high-risk areas, flood-prone areas, and the Special Flood Hazard Area (SFHA) since they're going to be the ones with the higher or more expensive flood insurance premiums 

The Flood Insurance Guru | Blog | Does Installing Flood Vents Lower my Flood Insurance Rate in Alabama

Keep in mind that installing flood vents is just a single step in lowering your flood insurance rates. It's important to note that FEMA has other requirements on flood openings in order to lower your flood insurance premiums. For example, if you have an elevated building that's in any flood zone that starts with an A or high-risk flood zones, the NFIP minimum floodplain management ordinance will require the enclosures of the structure on the lowest elevated floor to be designed with proper openings.

The Flood Insurance Guru | Blog | Does Installing Flood Vents Lower my Flood Insurance Rate in Alabama

Another question that comes up with this how much lower will the rates are going to be once you have met the standards of FEMA and the NFIP via installing these vents? Well, this generally depends on how your rating score comes out. If we were to look at how this can be looked into when it comes to your Community Rating System (CRS) as a participating community, this move can bring your rates 40% less than they should have been.

Keep in mind as well that the purpose of these openings is to reduce or minimize not only the flood risk for the building but also its flood loss. Since the NFIP can only cover a max of $250,000 for residential buildings and $100,000 for its contents, the cost of flood loss may not be fully covered if, for example, your property was severely impacted by flooding.

At the end of the day, these flood openings and making flood insurance cheaper can only do much in flood mitigation. We encourage that you reach out with your local floodplain administrator to check on the best steps that you and your community can do when it comes to flood mitigation.

Remember, we have an educational background on flood mitigation, so if you have questions on private flood insurance, mitigation activities, flood coverage, or anything about flood policies, feel free to reach out by clicking our links below or checking our YouTube channel where we post daily flood education videos.

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The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

In the latter part of March 2021, for three consecutive weeks, the community of Birmingham, Alabama experienced severe weather however unlike the past two weeks, flooding and strong winds presented a threat to the city. We observed the saturation of land causing trees to fall and the Smith Lake becoming the culprit to the flood damage to the area. This can really be alerting for this region since it does look like the state is experiencing flooding that's becoming worse each time.

Now, when it comes to flood insurance, this can directly impact you whether you're doing a policy with the National Flood Insurance Program (NFIP) under FEMA or the Private Flood Insurance market. Let's talk about how this can impact you and the things you need to know when it comes to your flood insurance policy when you experience flooding like this.

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

Now, it's important to note that there will be flood insurance rates increase in the future due to your Birmingham community becoming more flood-prone in a short period of time. If the flood map also shows that the area should be considered under Special Flood Hazard Area (SFHA), then the flood insurance rates can be expected to become more expensive with FEMA and the NFIP. However, this can also mean a good impact if you're doing a policy with FEMA and the NFIP then you might be able to go through the Increased Cost of Compliance (ICC) coverage. 

What is the ICC?

The Increased Cost of Compliance (ICC) coverage is an additional property coverage provided by FEMA through the National Flood Insurance Program. This generally provides additional money for the property's flood mitigation compliance purposes of up to $30,000 in order to reduce the flood risk in the future. It's important to note that the increased coverage will be separate from your standard flood insurance property coverage of $250,000 if it's a residential property and up to $500,000 if it's a commercial building.

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

It's most likely that you're eligible for the ICC if you're one of the impacted properties by the Smith Lake flooding in Alabama. The eligibility for this requires that the property should either be substantially damaged or is considered a repetitive loss.

ICC Eligibility

When we say substantially damaged, this means that the property owner experienced a flood loss on his home that's worth 40 to 50 percent of the house's market value. This means that if you were flooded and the total damage is less than 40% of the house's market value, then you won't be able to get ICC coverage. Now this can be crucial since the market value of properties over at Birmingham and Smith Lake is very high, so you're really going to have to be very careful on reporting the total damage on your residence if you're looking to be eligible through this condition. 

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

Repetitive Loss, on the other hand, means that a property has had two or more flood claims over the last 10 years. Loss history includes all of the ownership on the building since 1978 or since the building's construction after 1978.

What's Flood Mitigation Compliance

When we say flood mitigation compliance, this means that the structure of the building itself should meet the floodplain management ordinances set either by the federal government or the local community. Now,  there are four accepted floodplain management activities when it comes to complying with FEMA's flood mitigation standards: elevation, floodproofing, relocation, and demolition.

Elevation

When we say elevation, this means that the goal of the activity is to raise your property's lowest adjacent grade above the base flood elevation (BFE) of your community. This means that you have to elevate your property's lowest flood at least a foot above the base flood elevation.

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

Floodproofing

For this activity, it's important to note that this is only for non-residential properties. This requires that the commercial properties should be watertight below the BFE by reinforcing your walls, installing a watertight shield for doors and windows, building a drainage collection system, sump pumps, and check valves.

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

Relocation

When a property's being relocated, it simply means that you're going to move to another location on the same lot or another lot, but in order to meet compliance standards, you want to make sure that you're at least moving in a lower-risk area. There's no problem with relocating to a new location within the Special Flood Hazard Area (SFHA) or the 100-year flood zone however you're still going to have to make sure that it's going to be compliant with FEMA still. This can be the greatest flood prevention activity that really helped a lot of homeowners avoid the impact of major flooding and significantly reducing the risk of flooding on their property.

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

Demolition

Lastly, this activity is only done when the first three are no longer a viable option due to the flood damage being too severe for your property. Now, it can still be possible that you can redevelop the building after demolition however it's important to make sure that the laws and requirements of the Federal, State, and community are followed. 

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

Beyond Flood Insurance 

Now, it's also important to shed light on the possible negative impacts of lake flooding and the future risk of flooding in the area on your overall flood insurance purchase. If you're doing private flood insurance, then this could mean that they may choose to pull out from providing Birmingham, Alabama flood insurance due to the high risks that it's presenting to the table. Since FEMA doesn't choose their risks, severe repetitive loss as we mentioned before is a condition to be eligible for the ICC coverage, but private flood may see this as a red flag to continue providing flood policies and decide to non-renew.

It's still important to note that private flood is still a fair market with its own standards and guidelines. In fact, the ICC coverage usually is included in the property's coverage if you're doing a private flood insurance policy.

The Flood Insurance Guru | Will the Smith Lake Flooding Impact my Birmingham, AL Flood Insurance?

If you have questions on FEMA ICC coverage, if you're eligible for it, your flood insurance options, or any question about flood, feel free to reach out to us. We'll keep our doors open for you! You can click the links below to get started or watch and subscribe to our YouTube channel where we post flood education videos daily.

Remember, we have an educational background in flood mitigation and we want to share this knowledge with you, so you can be prepared when crap happens.

The Flood Insurance Guru | 2054514294  Get Your Quote from Flood Insurance Guru   The Flood Insurance Guru | Chris Greene | YouTube

The Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP) provides resources for homeowners and policyholders who need assistance in rebuilding after a flood. This program and coverage are known as Increased Cost of Compliance (ICC).

The Flood Insurance Guru | Increased Cost of Compliance (ICC) | Nashville Tennessee

What’s ICC?

The Increased Cost of Compliance, or Increased Compliance Cost, pertains to the additional coverage and assistance provided by federal flood insurance for those impacted by a flood. This comes in the form of providing extra payment coverage of up to $30,000 to cover the needs of a property for flood mitigation and reduce flood risk.

You should be aware that the ICC is only available for policyholders under FEMA and NFIP. This additional flood insurance coverage is intended to make sure that your property is both prepared and has reduced the risk of flood damage to the building in the future. The additional coverage for flood mitigation is dedicated to making sure that your property or building will be in compliance with the State or community floodplain management ordinances or laws

Flood Mitigation Compliance

When it comes to reducing the risk of flooding and flood damage to your property, there will be a set standard on floodplain management ordinances. There are four types of accepted floodplain management activities to bring your insured building or property into compliance with the community's floodplain management regulations. Let's talk about them.

Elevation

This simply means that the insured building or property is raised to or above the base flood elevation (BFE). This is a very common way of reducing flood risks and flood damage and when it comes to Nashville, you can expect your property to follow the freeboard requirement. This means that your property will be mandated to be four (4) feet above the BFE.

Floodproofing

This flood mitigation activity is only for non-residential properties. Simply put, if you have a commercial property then it should be watertight below the BFE. To do this, you can either reinforce your walls, install a watertight shield for doors and windows, build a drainage collection system, sump pumps, and check valves. 

The Flood Insurance Guru | Increased Cost of Compliance (ICC) | Nashville Tennessee

Relocation

Many of you know how this works. Usually what you'd want to happen is to move your property to another location on the same lot or another lot outside the floodplain. This can be the greatest activity when it comes to flood damage prevention however if you're relocating to a new location within the Special Flood Hazard Area (SFHA), then the National Flood Insurance Policies has to be compliant too. This means that the relocated building should be elevated or floodproofed.

The Flood Insurance Guru | Increased Cost of Compliance (ICC) | Nashville Tennessee

Who is Eligible?

It's important to preface that the ICC is only applicable to policyholders of federal flood insurance companies (FEMA and NFIP). For an NFIP flood insurance policy, the qualified applicant must have a federal government loan to start carrying flood policies on properties. For private flood insurance policyholders, you can expect that this will be included in your policy with your private insurer. Once you're insured by the National Flood Insurance Program, your property must also meet one of the two conditions to be eligible for Increased Cost of Compliance (ICC) coverage.

The Flood Insurance Guru | Increased Cost of Compliance (ICC) | Nashville Tennessee

First, your property either was determined to be substantially damaged. According to FEMA and the NFIP, this means that your property was damaged by a flood that resulted in the cost of restoring the structure to its pre-damaged condition is either equal to or exceed 50 percent of the property's original market value. If the total damage and flood loss has an average cost of less than 50 percent of the property's market value, then you won't be able to get the ICC coverage.

The Flood Insurance Guru | Increased Cost of Compliance (ICC) | Nashville Tennessee

The other condition is if your property meets the criteria of a repetitive loss structure. This is also known as repetitive loss of use which means that the insured property experienced flood-related damage twice over a 10-year period. It's important to note that the average cost of repairs is at least 25 percent of the market value of the building. This only applies if the community has adopted a repetitive loss provision in the local floodplain management laws. 

The Flood Insurance Guru | Increased Cost of Compliance (ICC) | Nashville Tennessee

Since we're talking about Nashville residents and considering the severe impact of flood water on the city the past few years and with a high risk for flooding which may cause possible future flood losses, it's most likely that your property falls under one of these two conditions. You can reach out to your community officials or insurance agent to check if you're included in substantially damaged properties or in the repetitive loss list. However, this can be a big problem for owners since both conditions are based on the market value of the property and in Nashville, the ICC coverage maximum of $30,000 is just less than ten percent of the average property values in the city.

As we've mentioned before, Nashville residents who are carrying federal flood insurance from the NFIP and FEMA will benefit significantly from the ICC coverage. It's important to note that this won't be taken out of your standard coverage for buildings and contents.

In order to get an ICC coverage, you should reach out to your community floodplain management and officials to file a single claim in behalf of those who were substantially damaged or under the repetitive loss of use. Once the community validates your property, they will then assign a representative who'll process the ICC claim for you.

Flood mitigation is both an individual and community effort and other than being able to reduce flood risks, these floodplain management activities can benefit your community through participating with the NFIP and getting a high community rating that eventually will reward Nashville with discounts on flood insurance premiums of up to 40 percent.

 

We're way past the time of not being able to fight natural disasters like Superstorm Sandy. If you have questions on the ICC, what best to do when living in high-risk flood areas, flood map updates, flood insurance costs, flood coverage, or anything at all about flood, please reach out to us.

Remember, we have an educational background in flood mitigation and we'd love to help you protect the value of your property by understanding flood risks so that you too can be prepared when crap happens.

The Flood Insurance Guru | 2054514294    Get Your Quote from Flood Insurance Guru    The Flood Insurance Guru | Chris Greene | YouTube

Flowers are all in bloom and dangerous floods may also loom around.

It's a new season as we watch the snow melt and winter wait it out till the end of this year, but this is also the same season with a high risk for flooding due to multiple reasons. Let's talk about the impacts of spring flood for Iowa, how this can impact your flood insurance, and what you should do to prepare for an event that no one wants to happen.

The Flood Insurance Guru | Spring Flood | Iowa

History

The Hawkeye State has been a victim of multiple catastrophic flood events throughout history. This is important for us to know what we can expect in springtime where flood risks are generally starting to increase.

It's notable that most of the major flooding that the state experienced happened around April to July which is generally within the Spring season. To name a couple of these historic floodings, the Great Flood of 1993 devastated the state as a result of months of rainfall accumulating to 48 inches of rain between April and August. More than the storms and consistent precipitation, Iowa also experienced a wet 1992 due to the long and snowy winter season. When Spring came in March 1993, the collected snow and frozen bodies of water significantly impacted the flooding across the state along some streams. This was a pattern that continued until May.

The Flood Insurance Guru | Spring Flood | Iowa

In 2008, the state experienced one of the worst floodings in modern history. This was a time when extensive flooding resulted in a more focused and intense impact on 85 of Iowa's 99 counties. A total of $10 billion in statewide damage was estimated. Just like the 1993 Flood, the main contributor to this flood event was Spring thaw wherein the snowmelt and ice from the winter seep into the ground and runs off the surface into lakes, rivers, and streams. Add to this, the state also had extremely heavy rainfall which results in up to 14 inches of rain.

The Flood Insurance Guru | Spring Flood | Iowa

As you can see, Spring flooding really had a hand in the major floods and river flooding in Iowa, and this might be the same situation at any time come Spring 2021.

Threats

As the Spring season continues to bloom this year, it's important that you're aware of the threats it may bring with it other than hay fever. For one, we've already mentioned that the previous floodings were due to the collection of snow and ice can cause wetness to the soils which cause a lot of trouble for bodies of water which receives this excess water. The Mississippi River and Missouri River are the likely candidates to also contribute to spring thaw. We've seen this happen two years ago and it's not impossible to experience the Midwestern U.S. floods this year.

The Flood Insurance Guru | Spring Flood | Iowa

Since recent data shows that the previous winter season and precipitation brought around 2 inches up to 12 inches of rain in the Midwest region of the country, this is a sign that flooding may occur even in the smallest amount of continuous rainfall. This may also mean that areas closer to a body of water in Iowa State may experience moderate to major flooding, but it's important to understand that even homes far from these bodies of water may experience minor flooding to moderate flooding.

We highly encourage you to be prepared until August has passed. Well, generally we'd like you to make sure that you're always prepared every day of the year since natural disasters don't really give a heads up.

Flood Insurance

It's important that you already have a flood insurance policy in place regardless of the zone designation your property's in according to flood maps. Keep in mind that in most states, Spring is also flood season. You'd best insure your home and make sure that mitigation efforts are made for your community to reduce the risk for flooding significantly. In this season, flood conditions depend not only on the rainfall coming in but whatever was left by the previous season.

You might be wondering what your options are. Well, you have two: the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA) and the federal government itself, and the private flood market.

If you're planning to apply for a flood policy with the NFIP and FEMA, you should start moving now since federal insurance generally takes 30 days before the policy takes effect. When flood levels start rising and your policy isn't active yet, you might have difficulties in restoring what you lost due to flood damage. It's also a good thing to remember that if you're in a high-risk flood area or the special flood hazard area (SFHA), NFIP and FEMA might ask for additional documents which may increase your waiting period to 60 days depending on how quickly you can get these additional documents to them.

 

The NFIP and FEMA are going to provide a max total of $250,000 for building coverage for residential properties. This amount can go up to $500,000 if you're carrying a policy for a commercial building. Regardless, federal flood insurance also provides coverage for contents which maxes out at $100,000. Unless a presidential declaration is given for your community, you also won't receive additional living expenses coverage. This goes the same for business loss of income or use if you have a commercial building impacted by a flood.

The Flood Insurance Guru | Spring Flood | Iowa

On the other hand, the private flood insurance market can also provide an insurance policy for you. You'd be able to choose from multiple private insurers for your policy. When it comes to a private flood, coverage for property damage can go up to $10,000,000 depending on your property regardless of whether it's residential or commercial property.

This option may also be the fastest one you can get since applications do vary, but remain significantly faster compared to the strict 30-day rule of FEMA and NFIP. The waiting period for policy application, insurance purchase, and its effectivity may only take up to 15 days maximum

The Flood Insurance Guru | Spring Flood | Iowa

Additionally, private flood generally automatically provides additional living expenses and/or business loss of use with their flood insurance policy coverage. Replacement costs are also going to be a part of policy coverage which means that private flood is most likely to provide you extra coverage in order to replace the contents you lost due to flood damage. Say, your TV was damaged and wrecked by flood water, then private flood is going to provide you the amount of that item if you were to buy it today. This goes for contents in with your insured property, so you can imagine how much coverage that would be.

 

This season, we'd love to enjoy going out to enjoy the freshness of blooming flowers and whatnots, but this can be ruined by spring flooding. River levels are expected to crest due to the effects of spring coming in and the excess water surfacing to bodies of water, so flood threat and risk for flooding are something you should look out for and protect your property. It's important to keep up with the news and flood forecasts since anything can happen in this season. 

If you have questions on flood insurance, flood briefing, risk of the spring season in your community, flood safety, or anything at all about flood, please feel free to reach out to us.

Remember, we have an educational background in flood mitigation, so we'd love to help you prepare for the worst and protect your property's value long term. Click the links below to get in touch and we'll be happy to provide you assistance on everything that's flood education and awareness.

The Flood Insurance Guru | Chris Greene | YouTube    Get Your Quote from Flood Insurance Guru    The Flood Insurance Guru | 2054514294

As we start a new decade and enter Spring 2021, let's look into the differences between FEMA's National Flood Insurance Program and Private Insurance Company's Flood Insurance. It's important to note that both flood insurance companies have significantly improved in reducing the risk of flooding and flood damage through different means as they continuously look to providing the best for homeowners. We'll go over their respective flood insurance rates, their coverages, pros, cons, and unique benefits.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

National Flood Insurance Program

What is the NFIP?

As you'd know, the National Flood Insurance Program (NFIP) is under the Federal Emergency Management Agency (FEMA) which is backed by the federal government. Come October this year, we're expecting the NFIP and Federal Emergency Management Agency (FEMA) to drop the Risk Rating 2.0. The new risk rating apparently aims to lower the flood insurance premiums for their policyholders. This can show an immediate decrease of an average of $86 per month for 23% of their current policyholders. For the remaining percentage of policyholders, you can expect an increase to the flood insurance premium of up to $20 or more per month.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

Coverages

Coverage in the National Flood Insurance Program (NFIP) didn't change much. You'll get a max of $250,000 in property or building coverage if you're doing a residential policy and up to $500,000 for commercial buildings. There's also a $100,000 flood coverage for contents. This won't cover replacement costs, additional living expenses, and loss of use. You may also be able to apply for Increased Cost of Compliance coverage which will grant you an extra of up to $30,000 for flood mitigation on your property and reducing flood risks, but this coverage follows strict conditions to be eligible so it's not really a part of your standard flood insurance coverage.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

Another thing to expect with the National Flood Insurance Program purchase is their waiting period. It's important to note that this hasn't changed as the purchase of flood policy will still follow the waiting period of 30 days. This can be good or bad depending on the situation.

This waiting period can be the time you're preparing to commit to the flood insurance policy from the federal government, talk to your mortgage lender, and make sure you have the correct coverage for you, regardless if it's residential flood insurance or for commercial properties. Within this time as well, there might be flooding or your community experienced a devastating flood, and you're still on the waiting period. This can really hurt you. 

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

The best thing about the National Flood Insurance Program is that they won't pick the risks. Generally, FEMA and NFIP cover all types of risks regardless of the flood zone, frequency of flood, and flood damage.

Private Flood Insurance Market

What is Private Flood?

When it comes to the other side of the coin, you have private insurance companies to help you with your insurance policy against flood damage. Now, it's important to note that private flood insurance is generally provided by different private companies like Lloyds of London, TypTap Flood Insurance, and Zurich Residential Private Flood Insurance to name a few. This means that you're not really locked into one provider and you have more options within the private flood itself.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

Coverages

Flood insurance coverage in private flood doesn't really have a maxed amount, unlike the NFIP. This generally means that you can get full coverage for your property or building if it's worth more than $250,000. We generally recommend homeowners with expensive houses or commercial properties to go with a private flood market since you're most likely to have a property that's worth more than $250,000. This is generally the downside with the NFIP flood insurance since they maxed out at a certain amount, so if your property is worth more than what they cover, you're going to get a downgrade altogether.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

Property coverage can go up to $10,000,000 if you want to and personal property coverage or contents can go up to $1,000,000. This generally depends on your property's values. Another important thing to discuss on private flood coverage is that these private insurers will provide replacement costs and additional living expenses or loss of use.

Private flood insurance also has an average premium that's significantly lower compared to federal flood insurance. This is why when it comes to options, private flood insurance might be the cheapest flood insurance anyone can get. Despite being the more affordable flood insurance, these private companies get to choose their risks which means that high-risk areas and special flood hazard areas might have a shortage of private flood options, if not nothing at all. If you'd observe, low-risk areas or preferred areas have more policies in force and more available options when it comes to flood insurance.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

Looking at 2021 so far, there might be some parts across the United States where private flood insurance providers are starting to stray away from. If this is the case, you can still go through the National Flood Insurance Program however you're only going to get what flood insurance coverage they will offer.

Flood maps show how much flood has changed for the worse the past few years. In this Spring season, it's best to secure a policy since this is one of the seasons where flash flooding can happen anytime. It isn't a big deal where you're getting your flood insurance from, but it is important to make sure that you have the right coverages, be it from NFIP flood insurance or private flood policy.

The Flood Insurance Guru | National Flood Insurance Program vs Private Flood 2021

Remember, we have an educational background in flood mitigation and we want to help property owners like you in becoming more educated and aware when it comes to flood. If you have any questions about the private flood insurers, flood premiums, flood insurance options, moving into private market flood insurance policy, or anything about flood, please feel free to reach out to us. You can also check our YouTube channel for our daily flood education videos, so you to can be prepared when crap happens.

The Flood Insurance Guru | Chris Greene | YouTube    Get Your Quote from Flood Insurance Guru    The Flood Insurance Guru | 2054514294