Everyone lives in a flood zone - it's just a question of whether you live in a low, moderate or high risk area. Roughly 25% of all claims paid by the NFIP are for policies in low- to moderate-risk communities. It is very affordable, as low as $112 annually. Most homeowners insurance does not cover flood damage.

Free On-lineFlood Maps through FEMA

Determine the Flood Risk Level at your address

Flood Basics:

• A flood is an excess of water (or mud) on land that's normally dry.
• Floods often happen when bodies of water overflow due to heavy rainfall or thawing snow.
• You don't have to live near water to be at risk of flooding. A flash flood, which can strike anywhere without warning, occurs when a large volume of rain falls within a short time.
• Coupled with changing weather patterns, road and building construction has made recent floods more severe and increased everyone's chance of being flooded.
• Dangerous or damaging floods don't always mean dramatic, rushing waters through the streets of your hometown. Just a single inch of water can cause costly damage to your home!
• Rain entering through wind-damaged windows, doors, or a hole in a wall or the roof, resulting in standing water or puddles, is considered windstorm-rather than flood-damage.
• Damage caused by sewer or drain backup, or overflows from a sump pump or related equipment are covered if the event is a direct result of flooding.
• Seepage or leaks in your home are not covered.
• Strict exclusions of coverage apply in any basement. A basement is defined as any area that is below grade on all four sides. In some cases, sunken living rooms can be defined as a basement.
• Building coverage in basements is limited to systems that service the building, such as electrical boxes, heat pumps and air conditioners.
• Contents in basements are not covered with a few exceptions such as a washer, dryer, freezer and the food in it.

Federal Disaster Assistance Basics:

• Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding.
• Federal disaster assistance is only available if the President formally declares a disaster.
• Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.
• As long as your community participates in the National Flood Insurance Program (NFIP), you're eligible to purchase flood insurance.
• To find out if your community participates in the NFIP, check the NFIP Community Status Book on FEMA.gov.
• As a homeowner, you can insure your home up to $250,000 and its contents up to $100,000.
• In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late.

Flood Barriers - Contact Savannah Trims

Low Risk Risk Policy Premiums: Residential

PRP Premiums for ZONES B, C, X (PRE-/POST-FIRM) Most common in Pennsylvania

Premium estimate for building and content, and contents only

Building & Contents		Contents Only
Coverage	Annual Premium ($)	Coverage ($)	Annual Premium ($)
$20,000/8,000	112	8,000	61
30,000/12,000	138	12,000	86
50,000/20,000	180	20,000	116
75,000/30,000	207	30,000	131
100,000/40,000	233	40,000	146
125,000/50,000	249	50,000	156
150,000/60,000	264	60,000	166
200,000/80,000	296	80,000	181
250,000/100,000 (MAX.)	317	100,000	196

High Risk Premium Table: Residential

Premiums for ZONES A, AE, A1-30, AO, AH (Pre-FIRM)

Premium estimate for building and content, building only, and contents only

Building & Contents		Building Only		Contents Only
Coverage	Annual Premium ($)	Coverage	Annual Premium	Coverage	Annual Premium($)
$35,000/10,000	503	35,000	398	10,000	140
50,000/15,000	681	50,000	523	15,000	196
75,000/20,000	844	75,000	633	20,000	251
100,000/30,000	1,033	100,000	796	30,000	334
125,000/40,000	1,223	125,000	906	40,000	416
150,000/50,000	1,412	150,000	1,016	50,000	499
250,000/100,000	2,233	250,000	1,441	100,000	913

Estimate your flood insurance premium

Flood coverage limits for a standard flood policy are:

Coverage Type	Coverage Limit
One- to Four-family structure	$ 250,000
One- to Four-family home contents	$ 100,000
Other residential structures	$ 250,000
Other residential contents	$ 100,000
Renter contents	$ 100,000

Find a Pennsylvania Flood Insurance Agent

Flood insurance covers buildings and/or contents for residential and non-residential properties. It's important to know what your policy covers. To claim personal property loss you must have contents coverage. Use this list for general guidance:

Covered:

• The insured building
• Built-in appliances and central air
• Permanently installed paneling, wallpaper, cabinets and carpets
• Garage (up to 10 percent of total building coverage)
• Limited coverage for basements
• Debris removal
• Contents, if contents coverage has been purchased

Maximum flood insurance deductible permitted by mortgage lender: 5% of dwelling coverage.