Why Everyone Should Have Flood Insurance

Most people are aware that flooding is extremely dangerous and has the potential to wipe away an entire city, coastline or regional area. It can cause extensive damage to life and property. Even when it’s only a few inches of water, flooding has great erosive power and can be particularly destructive. What everyone may not be aware of, however, is that people nationwide live in a flood zone; in the past five years, all 50 states have experienced floods and flash floods. Floods are the number one natural disaster in the United States. Depending on specific criteria, land areas are classified as low, moderate and high risk zones by the Federal Emergency Management Agency (FEMA).


Heavy rains, ice jams, snow-melt, hurricanes and mud-flows all pose flood risks. Intense storms may produce a flood in a few hours or even minutes for upstream locations. Flash floods can occur quickly with a heavy rainfall. They can roll boulders, tear out trees and destroy buildings and bridges. Flash floods can also occur from the collapse of a man-made structure or ice dam. Flooding may occur as an overflow from water bodies such as a river or lake. It can also break levees, resulting in some of that water escaping its usual boundaries. It may also occur due to an accumulation of rainwater on saturated ground.

Though we may think we have low or limited risks related to floods, we are all financially vulnerable. Most homeowners insurance policies do not cover the damage caused by floods. It is important to consider the value of your property and its contents and choose additional insurance to protect against water damage resulting from flooding.

Purchasing flood insurance is the best choice. Flood insurance specifically covers flood risks and protects your valuable assets. From the date of purchase, a 30 day waiting period is typical before your coverage goes into effect. For this reason, you want to plan ahead. Your knowledgeable independent insurance agent is ready to assist and provide additional information. Contact us today with any questions and to discuss a policy that is best for your individual needs.

Ready to learn more about coverage? Call Huntington Pacific Insurance Agency at(714) 841-6283 for more information on Huntington Beach flood insurance.