When it comes to protecting your home and belongings, standard homeowners insurance doesn’t always cover everything—especially when it comes to floods. With flooding becoming more frequent and severe across the U.S., many homeowners are asking: “Do I need flood insurance?” and “Am I in a flood zone?” Whether you’re in a high-risk area or not, it’s crucial to understand your exposure and how flood insurance can help protect your financial future.
Am I in a Flood Zone?
One of the most common questions we hear at Risman Insurance Agencies is, “Am I in a flood zone?” You can easily check your flood risk by visiting FEMA’s Flood Map Service Center:
👉 Check your flood zone here
This tool allows you to input your property address and see if it falls within a high-risk flood area (Special Flood Hazard Area) or a moderate- to low-risk zone.
Even if you’re not in a designated high-risk area, 20% of flood claims come from properties in low- or moderate-risk zones. That’s why many mortgage lenders still recommend or require flood insurance outside of these high-risk areas.
Do I Need Flood Insurance?
Flood insurance isn’t just for those in coastal or hurricane-prone areas. Heavy rainfall, melting snow, blocked drainage systems, or even new development in your area can increase your flood risk.
You may need flood insurance if:
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Your mortgage lender requires it
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You live in or near a high-risk flood zone
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You’ve experienced water damage in the past
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You want peace of mind knowing you’re protected from unexpected events
At Risman Insurance Agencies, we help homeowners across Massachusetts and beyond understand their options—whether through the National Flood Insurance Program (NFIP) or private flood insurance carriers.
👉 Learn more about the differences in our blog:
Navigating Flood Insurance in Massachusetts: NFIP vs. Private Flood Insurance
What Does Flood Insurance Cover?
Flood insurance typically covers:
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Structural damage to your home
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Foundation and utility systems
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Appliances, flooring, and built-ins
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Personal belongings (depending on your policy type)
But remember—coverage varies. It’s important to review your policy carefully and work with an experienced agent to ensure you have the protection you need.
👉 Read more: The Importance of Flood Insurance: Protecting Your Home from the Unexpected
Don’t Wait Until It’s Too Late
Flood insurance policies usually have a 30-day waiting period before coverage takes effect. That means you can’t wait until a storm is in the forecast to get coverage. If you’re unsure whether you need flood insurance, now is the time to have that conversation.
At Risman Insurance Agencies, we’ll review your risk, walk you through your options, and help you find a flood insurance policy that fits your needs and budget.
Have questions or want to get a quote? Contact us today to speak with one of our local agents.
Disclaimer: Coverages, exclusions, and availability vary by insurance company and state. Be sure to speak with a licensed agent for complete details.
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