Hot Topics     Home and Family    

Concerned about flooding?



Ensure your home and belongings are protected

Do you need flood insurance

According to the Federal Emergency Management Agency (FEMA), floods are the most frequently occurring natural disaster in the United States, which is why it is important to understand the risks and costs associated with flooding, and what you can do to protect your home.

Rampant storms and hurricanes are not the only causes of flood damage – leaky pipes can cause just as much water damage and put a huge hole in your wallet, too. According to FEMA, just 1 inch of water in a home can cost more than $25,000 in damage.

What can you do to protect your home in the event of a flood? First, make sure you have flood insurance. Some people may think they don’t need flood insurance because of where they live. Many may also assume that flooding is included in their homeowners insurance policy when in fact, most homeowners policies do not cover flooding.

Why is that?

A string of flood disasters occurred throughout the ‘40s, ‘50s and ‘60s that put tremendous financial strain on private insurers, so in response, the federal government created the National Flood Insurance Program (NFIP) to protect homeowners, renters and businesses.


Talk to your insurance agent about getting flood insurance through NFIP. Some companies offer additional unique options. For example, Erie Insurance recently began offering a coverage called Extended Water that covers damage caused from flash floods, inland flooding, storm surges, snow melt and more. It covers the home and its foundation, electrical and plumbing systems, air conditioning equipment, furnaces and heaters, appliances and personal possessions, such as clothing and furniture. It even offers coverage if you need to temporarily relocate while your home is being repaired.

“As the frequency of flooding increases, homeowners need to understand that flood insurance is typically not included in their standard homeowners insurance policy, but there are options available,” said Michelle Tennant, vice president of product management, Erie Insurance. “Even if you don’t live in an area that you think is flood-prone, if it rains or snows, it can flood. That’s why it’s so important to talk to your agent about your home and your neighborhood, to make sure you have the coverage that’s right for you.”

To learn more about flood insurance, contact your agent or visit erieinsurance.com/flood-insurance.

As flooding becomes more frequent, make sure that you have the insurance you need to protect your home and belongings.

(StatePoint) 
PHOTO SOURCE: (c) Image Source / iStock via Getty Images Plus


Other articles by HVP News Reporters


  • Save a life from stroke

    Tips from the American Stroke Association

    Strokes can happen to anyone, at any age – even young people. Despite being one of the leading causes of death and long-term disability in the United States, strokes are largely preventable, treatable and beatable – if you can control your risk factors. read more »
  • Take steps now to protect your vision

    Regular eye exams are the best thing you can do

    Your quality of life and overall well-being depend on developing healthy habits. These practices are essential to your eye health. read more »
  • How women experience heart disease differently

    Symptoms are not always obvious

    Most people think of heart attacks as debilitating pain in the chest. However, that’s not always the case, especially for women, and missing the signs can be a matter of life and death. read more »
  • Serve a simple pasta salad this summer

    A quick and easy dish your family will love

    Some summertime dishes are just too good to be true. This Easy Pasta Salad is simple enough to become a favorite side and filling enough to serve as a light main course. read more »
  • Combatting Cracked Concrete

    Causes of failing concrete and how to solve them

    Concrete is a strong, durable and easy-to-maintain material that is popular for driveways, walkways, patios and more. Like most materials, though, it can inevitably wear down over time. read more »
  • A Step-By-Step Guide to Changing Your Own Oil

    It's easier than you think

    Changing your vehicle’s oil is a crucial maintenance task that can extend its life and improve performance. It’s also a task many DIYers can handle on their own with just a few tools. read more »
  • Create a Cozy Outdoor Space with a Backyard Firepit

    Time to make a warm and inviting outdoor retreat

    A firepit can serve as a warm and inviting backyard retreat, perfect for roasting marshmallows for s’mores or stargazing while wrapped in cozy blankets. read more »
  • Phones Down, Eyes Up™

    Campaign to reduce distractions and increase water safety

    May’s National Water Safety Month, the campaign aims to reduce distractions and improve water safety awareness, specifically targeting families as they head to pools and waterfronts this summer. read more »
  • Enjoy a light summer lunch

    Make broccoli the star of this dish

    Try this broccoli salad. It makes an ideal light lunch or simple summer side. read more »
  • 2025 Free Fishing Days in New York State

    No freshwater fishing license required to fish on designated days

    Governor Kathy Hochul has announced designated Free Fishing Days in New York will take place on: June 28-29, September 27 (National Hunting and Fishing Day), and November 11 (Veterans Day). During these days, the fishing license requirement is waived for freshwater fishing on New York’s waters. read more »