Who Is at Risk for Flooding?
Floods are the most common natural disaster in the U.S.,
and nearly everybody has some risk of flooding. Virtually
every U.S. state and territory has experienced floods.
The Federal Emergency Management Agency (FEMA) estimates that
10 million U.S. households are located in high flood risk
But between 20 and 25 percent of all flood insurance
claims are paid to people living outside these high risk
The Great Flood of 1993, which ravaged the Midwest, was the
worst flood in American history. That flood killed 48
people, affected 45,000 homes and caused $16 billion in
Floods occur when you least expect them. And your
homeowners insurance will not cover your flood losses.
You can protect your home and its contents through the
National Flood Insurance Program (NFIP), administered by FEMA.
Flood insurance is available to owners and occupants of
insurable property in communities participating in the NFIP.
A flood insurance policy, which you can purchase through
your insurance company or agent, is the best way to recover
from a flood.
Federal disaster assistance, only available if a flood is
declared a Federal disaster, is often a loan you have to
repay, with interest, in addition to your mortgage loan. In
contrast, flood insurance claims are paid even if a disaster
is not Federally declared. A flood insurance claim will
reimburse you for your covered losses - and never has to be
Contact your insurance company or agent. He or she
can tell you what your flood risk is and can also provide you
with more information about how to obtain Federally backed
Protect yourself, your home, your family and your financial
future. Purchase a flood insurance policy today.
For more information about the NFIP and flood insurance,
contact your insurance company or agent, or call the NFIP at
For additional information call 1-888-FLOOD29, TDD#