Maryland Flood Insurance
Flood Alert: Your Maryland Homeowners Insurance Won't Help!
Natural disasters make headline news every day. But just because you have homeowners insurance policy, don’t think you're protected against the financial disasters they cause. You're not.
You may even believe you live outside a Maryland flood zone, but don’t make the mistake of thinking that means you're safe. Not only is the Federal Emergency Management Agency (FEMA) remapping flood risk areas, but 25% of all flood insurance claims actually come from supposedly "safe" areas outside of flood zones. Just think back to the September 2009 water main break that flooded hundreds of homes in Dundalk, Maryland. These residents were in a "low risk" area and most of them probably never gave a second thought to purchasing a flood insurance policy. This goes to show that you do not have to have a home on or near the Chesapeake Bay or its tributaries to need flood insurance in Maryland.
Also, don’t assume that if your home is flood damaged FEMA will come to your financial rescue. Even if you get aid, you might have to repay it, with interest!. Plus, it would probably be insufficient to stave off the financial disaster you'd inevitably face.
You could end up homeless.
That’s a clear reason why, almost wherever you live, you should have flood insurance.
The good news is, in many cases, it's probably not as expensive as you might think to get flood insurance. And it means you'll be reimbursed for all your covered losses and, unlike Federal aid, it never has to be repaid.
What's more, if you have a mortgage and live in a 100-year flood zone, flood insurance protection is mandatory. If the redrawing of maps moves you into this zone, it could cost you a lot more to buy protection then than it would before the change happens.
Huff Insurance can provide up-to-date information on these flood maps, the risks you face, and the flood insurance you need, making sure both the structure of your home and your possessions inside are adequately protected. We'll also ensure any claims you face are dealt with as promptly as possible.
Don’t wait for a rainy day to start thinking about your flood insurance. Because even when you buy it, it usually doesn’t become effective for 30 days. Complete the Free Flood Insurance Quote Form on this page right now and get protected today.