Why Flood Insurance Matters, Even If You Don’t Live in a Flood Zone

When most people think about natural disasters, hurricanes and wildfires often come to mind. But did you know that flooding is the most common and costly natural disaster in the United States? What’s even more surprising is that many flood claims come from homeowners outside of designated high-risk flood zones.

At KVIS & Coe Insurance, we believe in helping you prepare for the unexpected. If you think flood insurance isn’t something you need to worry about, think again. Here’s why flood insurance is an essential layer of protection for homeowners and businesses alike.

What Is Flood Insurance?

Flood insurance is a type of property insurance that covers losses caused by flooding, typically defined as an excess of water on land that is normally dry. This could be the result of:

• Heavy rainfall

• Overflowing rivers or streams

• Melting snow

• Storm surges

• Blocked storm drains or sudden flash flooding

Important: Most standard homeowners or commercial property insurance policies do not cover flood damage.

Who Needs Flood Insurance?

The short answer? Almost everyone.

Flooding can happen anywhere, and more than 25% of flood claims come from low- to moderate-risk areas. While it’s true that properties in FEMA-designated high-risk zones may be required to carry flood insurance (especially if there’s a mortgage involved), those outside of flood zones can still suffer devastating damage from flash floods, heavy storms, or snowmelt.

If you live in an area with:

• Poor drainage systems

• Rapid development or new construction

• Nearby streams, creeks, or rivers

• Seasonal heavy rains

…you may be more at risk than you think.

What Does Flood Insurance Cover?

Flood insurance typically comes in two parts:

1. Building Property Coverage

This protects the physical structure of your home or commercial building, including:

• Foundation, walls, and roof

• Electrical and plumbing systems

• HVAC equipment

• Appliances

• Permanently installed carpeting and paneling

2. Personal Property (Contents) Coverage

This covers belongings inside the structure, such as:

• Furniture

• Electronics

• Clothing

• Valuable items (up to specific limits)

Note: Coverage may vary depending on whether the policy is through the National Flood Insurance Program (NFIP) or a private insurer. At KVIS & Coe Insurance, we help you explore all your options.

How Much Does Flood Insurance Cost?

Flood insurance costs vary based on:

• Property location and flood risk

• Building structure and elevation

• Coverage amounts

• Deductible levels

Premiums for homes in low-risk zones are often surprisingly affordable. In many cases, peace of mind costs far less than you might expect, especially when weighed against the financial impact of a flood.

Why Work with KVIS & Coe Insurance?

We’re more than just insurance agents, we’re your neighbors. Our team takes the time to assess your specific flood risk, explain your options clearly, and recommend the right policy for your needs and budget.

Whether you need coverage through the NFIP or are seeking enhanced private flood insurance, we make the process simple, transparent, and tailored to your needs.

Protect Your Home — Before the Water Rises

Flooding can happen with little warning, but having the right coverage means you won’t be left picking up the pieces alone. Let KVIS & Coe Insurance help you protect your most valuable assets.

Contact us today for a free flood insurance quote or policy review. 610-459-4444