Flood Insurance and Homeowners Insurance

September 19, 2018

Photo courtesy http://blue-mud.net/phsFloodRecedes.html

As residents in North Carolina and South Carolina are reveling in the wake of Hurricane Florence, the waters are still rising in certain areas even after the rains have stopped.  I was listening to the radio this morning and a caller from South Carolina was being interviewed.  His home town was protected by 2 levees from two neighboring rivers.  Unfortunately, both of those levees failed and his hometown was flooded.  Since FEMA maps did not speculate a flood ever occurring there due to the levees, the majority of the town did not have flood insurance.

The National Flood Insurance Program (NFIP) defines a flood as, “A temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”   If your home is involved in a situation like this, homeowner’s coverage will not protect you.  Flood insurance would be needed.  Flood insurance is a separate policy and would need to be started either at the time of purchase of a home, or given a 30 day grace period prior to coverage going into affect.  So, if you are concerned with an upcoming storm system that may cause flooding of your home, then it is probably too late to get a flood policy for that particular storm.

I have personally seen the devastation flooding can cause.  I lived in Pendleton County during the flood of 97 and saw the anguish it caused from the devastating loss in Falmouth and Butler KY.  What was even worse than the amount of water was the amount of mud and debris.  Houses literally lifted off their foundations and thrust into other homes.  2 feet of mud everywhere you walked.  It was a terrible blow to communities that could not recuperate from the financial loss.  Still to this day, over 21 years later, there are still vacant lots-remnants of what use to be.

Flooding can happen, even in places you would not normally expect.  For more information on how to protect yourself from financial devastation, feel free to call our office.  We are here to help explain coverage and how you can protect your investment.


  • insurance
  • Hagerty
  • Progressive
  • Phone:859.441.0310
  • 8109 Alexandria Pike
    Suite 11
    Alexandria, KY 41001