![]() ![]() Flood zones are used for assessing a property’s flood risk, which can be caused by heavy rains as well as by tropical storms and hurricanes. Evacuation Zoneįlood zones and evacuation zones are different. As you know, hurricanes, tropical storms, and other threatening weather can present flood hazards to residents due to high tides, storm surges caused by winds, and heavy rainfall. If you live in Pinellas County, you’ve probably experienced flooding and other drainage problems which can result after several inches of rain in a short period of time or after several days of continued rain. Not all flood insurance is obtained through FEMA’s program, but it does account for the vast majority of active policies. These rate maps help determine whether homes need flood insurance as well as the premiums set for the National Flood Insurance Program (NFIP), a FEMA program that sponsors flood insurance coverage for U.S. ![]() FEMA Flood Insurance Rate MapįEMA flood maps are used by local governments, federal agencies, lending institutions, real estate brokers, and insurance companies. ![]() Various flood zones are mapped in each panel, and each falls into one of three categorical areas below:Ĭheck with your real estate agent, mortgage lender, or insurance agent to get specific information about coverage and what flood zone rating you have on your home. You can check FEMA’s Flood Insurance Rate Map to see what flood zone area your house sits on. FEMA updates the nation’s Flood Insurance Risk Maps (FIRMs) and partitions them into viewable “panels” online. Whether you need flood insurance depends on the level of risk of a flood where you live, and whether the government or your mortgage lender requires it. The list of exclusions that apply to flood insurance include:Ĭheck with your insurance agent to get specific information about coverage. Portable microwaves and portable air conditionersĮxclusions & Limitations to Flood Insurance Policies.The contents inside your home that is covered by a flood insurance policy are: Permanently installed carpeting over an unfinished floor.Refrigerators, cooking stoves, and built-in appliances.Typically the insurance coverage for the structure of your home includes: ![]() The land that your home is on is not covered in flood insurance policies. The structure and contents both have their own deductibles and limits in the policy. What Does Flood Insurance Cover?Ī flood insurance policy typically covers your property’s structure of your home and the contents. Flood insurance is a separate insurance product that can protect against flood damage. Most homeowner’s insurance policies do not cover flooding. Most homeowner’s insurance policies do not cover damages caused by a flood, so anyone with a home in an area susceptible to flooding should consider purchasing flood insurance. What is Flood Insurance?įlood insurance protects a structure (home or business) and its contents (furniture and items inside) from flood water damage. Your search will bring up a Flood Insurance Rate Map (FIRM) for the area where your property is located. Go to the FEMA website and enter your address to determine whether your house is in a designated flood hazard area. Find Your Flood Insurance Rate Map (FIRM) The severity or type of flooding in the area reflects in each zone. These zones are shown on a community’s Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map. The Federal Emergency Management Agency (FEMA) defines geographic areas according to varying levels of flood risk into flood zones. Is your house in a flood zone in Pinellas County? Are you moving into a new home in Palm Harbor, Clearwater, Safety Harbor, Dunedin, or Tarpon Springs that is in a flood zone? Do you understand what a flood zone means or the Florida laws and insurance agency policies dealing with flood zones? This article will be helpful for you to get an understanding of floor insurance in Pinellas County. ![]()
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