A lot of people believe you can’t get flood insurance unless you’re in a flood zone – that is simply not true.

Did you know that most devastating floods affect properties that are not in a flood zone?

Hurricane Harvey was downgraded to a Cat 1 before it hit interior Texas and Louisiana, dumping more than two feet of rain over 100 miles inland. Considering the distance of Doylestown, PA to the Atlantic Ocean at Belmar, NJ to be 60 miles, this could very easily be a local scenario in Bucks County.

You can protect yourself from a catastrophic flooding event. Getting flood insurance is easy and very affordable for those outside of the flood zones. A Preferred Non-flood Zone rated policy for $250,000 of building coverage and $100,000 contents coverage is only $340 a year.

A few facts to consider:

• You don’t need to be in a flood zone to purchase flood insurance!
• Homeowner and commercial building insurance policies do not cover flood damage.
• Flood insurance can be purchased for any insurable property, including the building as well as the contents inside.
• Floods are not just caused by rain storms! Snow/ice melt; failure of dams, swimming pools, water towers; blocked drains, mud slides/flows are all covered by flood insurance.

Steely & Smith has several sources to purchase flood insurance, including the National Flood Insurance Program as well as newly developed Private Flood Insurance programs.  Call us to find out more!