Why Are Flood Insurance Rates Increasing?
Flooding in coastal areas has historically caused widespread damage and loss of life. In recent years, coastal Georgia—including Saint Simons, Brunswick, Tybee Island, and Savannah—has experienced severe flooding unlike ever before.
One key reason for rising flood insurance premiums is FEMA’s flood maps, which are updated regularly, especially after major flooding events. As Georgia’s coastline has faced back-to-back years of significant flood damage, more properties are now classified as high-risk, leading to higher insurance costs.
How Can You Lower Your Flood Insurance Premiums?
If you’re facing skyrocketing rates, there are steps you can take:
✅ Check for Flood Map Updates – Recent changes to FEMA’s flood maps mean some properties may now qualify for lower rates.
✅ Compare Insurance Options – Many homeowners have cut their flood insurance costs in half by shopping around for better policies.
✅ Work With a Flood Insurance Specialist – An expert can help you navigate flood zones, mitigation strategies, and cost-saving opportunities.
Get Expert Help in Coastal Georgia
Flood Insurance Guru specializes in helping people understand flood insurance in areas like Saint Simons, Brunswick, Tybee Island, and Savannah Georgia. Over the last year there have been many changes to the flood maps in these areas. As a result many people are able to cut their premiums in half. So it is very important to shop your flood insurance each year to see if your map has been updated. You can click here to see if your map has been updated. You can also contact a flood insurance specialist like Chris Greene with Flood Insurance Guru by clicking here or calling 770-464-5024.