Flood Insurance

Anywhere it can rain, it can flood. If you live on a hill or in an area that has never been flooded, you may still be at some level of risk.

Flooding can be caused by heavy rains, melting snow, inadequate drainage systems, failed flood control structures such as levees and dams, as well as tropical storms and hurricanes. It is important to understand the flood risks you face before deciding whether to purchase flood insurance.

Everyone lives in a flood zone. Flood zones indicate areas of low, moderate and high risk. In low- and moderate-risk zones flooding can still occur. The risk is reduced but not removed.