Flood Insurance

Flood insurance is important in the plains of the Springfield, MO, area. Even a single day of strong rains in the Ozarks has been known to cause our many creeks and rivers to flood their banks, drown the roads, and creep into homes, causing expensive flood damage.

Isn’t flooding covered by my homeowner’s insurance?

Many people think that flooding is covered by their home insurance policy, but the truth of the matter is that flooding is never covered by a regular homeowner’s insurance policy. Flood insurance is a separate policy that is written through the National Flood Insurance Program (NFIP).

Why do I need flood insurance?

Sometimes you are required to have flood insurance. If you purchase a home in a high-risk area from a lender that is government regulated or insured, you won’t have a choice in the matter—you’ll be required to purchase a flood insurance policy.

For people living in moderate- or low-risk areas, however, flood insurance isn’t required. Your insurance agent might never have mentioned it to your or might have told you that because you don’t live in a high-risk area, you can’t get flood insurance. No matter what zone you live in, you can usually still get flood insurance through the NFIP–you just have to find an agent who knows what he’s doing and is dedicated to helping you get ALL the coverage you need.

Is flood insurance really that important in the Ozarks?

Even if you don’t live in an area that is considered “high risk” for flooding, you are still at risk. FEMA claims that floods are the most common natural disaster in the United States. Floods can happen anywhere, whether it’s from a particularly strong rain storm, a major thaw, or even new development that changes the drainage patterns in your area.

If you’ve ever seen Wilson’s creek covering a back road or heard a newscaster remind you to “Turn around, don’t drown,” you know that flooding can happen in the Ozarks. Flood damage is very expensive to repair. It can affect every area of your home, damaging walls, carpeting, wood flooring, furniture, and anything sitting near ground-level. If you don’t want to get stuck footing the bill for repairing the walls and floors all over your home, don’t wait to sign up for coverage until the water is creeping up your front lawn.

Whether you thought you were covered by your homeowner’s insurance policy before or were told you didn’t need or weren’t eligible for flood insurance, it’s not too late. Contact the Adkins Team for an appointment to discuss your flood insurance needs or fill out the form on this page to get a quote.