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Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100 year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high risk zone or if you no longer have a mortgage, flood insurance is optional.

Biggert Waters Flood Insurance Reform Act of 2012