Flood Insurance

As a Realtor, I often come into contact with homeowners who do not have flood insurance.  Even if your property is not in a flood zone, your home can still be damaged by rising water.  Yesterday’s storms are a reminder of that.  Please keep in mind that the elevation of your property determines whether you will be required by your lender to obtain flood insurance and not whether you are near a body of water.  There are various elevations that determine your flood risk, so once you have your survey and flood elevation certificate, your insurance agent will be better able to explain in detail.