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Why Florida Homeowners Need Flood Insurance
Flooding in Florida is more of a certainty than a possibility. Homeowners in high-risk flood zones with federally backed mortgages are required to have flood insurance. Even those outside high-risk areas should consider it, as around 30% of flood claims come from these regions, indicating that no homeowner is completely safe from flood risk.
Flooding is the most prevalent natural disaster in the United States, and Florida is particularly vulnerable. Just one inch of floodwater can cause damage exceeding $25,000. Most homeowners insurance policies do not cover flood damage, leaving homeowners at risk of substantial financial loss without separate flood insurance.
Beyond regulatory compliance, flood insurance protects your financial stability by covering costs associated with flood damage, aiding quicker recovery after a disaster.
The National Flood Insurance Program (NFIP) was established to provide affordable flood insurance and improve floodplain management, making it easier for homeowners to secure their properties against potential floods.
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