Flooding is a common and costly natural hazard. Anywhere it rains, it can flood. Just one inch of water in a home can cause up to $25,000 in damages, according to the Federal Emergency Management Agency.
One of the most important steps Richmonders can take to be prepared is to obtain flood insurance. Flood insurance, whether it is through the National Flood Insurance Program (NFIP) or a private carrier, allows individuals, businesses, and communities to quickly and sufficiently recover after a flood. Most homeowners and renters insurance policies do not cover damage caused by floods.
The City of Richmond participates in the NFIP, which means all citizens are eligible for flood insurance, even if they don’t live in a high-risk flood zone.
Flood insurance policies take a minimum of 30 days to go into effect so it is vital to protect assets and purchase coverage well in advance of a disaster, flood event, and the hurricane season. Contact an insurance agent and visit FloodSmart.gov for further details on flood insurance.
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