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Flood Education

Flood Education

The flood risks shown below are NOT COVERED by your Homeowners policy. You will need to purchase a Flood Insurance policy to protect yourself from these disasters.

Your Personal Automobile policy will only provide coverage for flood if you have Comprehensive (Other Than Collision) coverage on your vehicle.

  • Heavy Rain: Rainfall can cause rivers to rise, storm drains to back up, or the ground to saturate.
  • Flash Flood: Flash floods are the most dangerous type; they happen very quickly, sometimes with little or no warning. Learn More
  • Tropical Storm: These storms create torrential rain and high winds, which can cause extensive damage and flooding to coastal areas, as well as areas hundreds of miles from a shoreline. Learn More
  • Snow Melt/Spring Thaw: A mid-winter or early spring thaw can produce large amounts of runoff in a short period of time. Learn More
  • Ice Jams: A rise in water level or a thaw breaks the ice into large chunks; these chunks can block a river, causing it to flood. Learn More
  • Dam or Levee: These structures can overflow or fail during a large flood. Learn More
  • Mudflows: Rivers or liquid and flowing mud on the surface of normally dry land can develop when rapid snowmelt or heavy or long periods of rainfall soak the ground. Learn More
  • New Development: Construction and new developments can change the natural drainage of the land and create flood risks. Learn More
  • Vehicles: If you carry comprehensive coverage (optional) on your automobile policy, then the direct, sudden damage to your vehicle resulting from hail, water or flood would be covered minus and applicable deductible. Contact your insurer or agent for specific claims information.