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Flood Insurance and FEMA

By Meteorologist Michelle Costanza
March 21, 2013 Updated Mar 22, 2013 at 10:49 AM EDT


Over the past 10 years, the United States has suffered nearly $24 billion in losses due to flooding.

Most people are unaware that the average homeowners insurance policy- as well as commercial property insurace policies- doesn't typically cover flood damage.

While some people may want to wait until an imminent threat to purchase flood insurance, it is important to note that many policies take 30 days to go into effect, therefore it is advised to purchase ahead of time.

General flood insurance information and Q&A can be found here.

The Federal Emergency Management Agency is the governmental entity that aims to help areas recover from and mitigate flood damage. Click here for their homepage.

Check out the National Flood Insurance Program website to learn about flood-type risks for your property.

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