Hurricane season is a reminder to all of us how extreme weather can change our lives overnight. In New Hampshire, we’re not immune to the damage caused by flood waters even if you don’t live in a flood zone. Here are some facts about floods to put it in perspective.

  1. Since 2005, New Hampshire has had three floods that were declared national disasters by the President.
  2. New Hampshire has a history of over 40 floods throughout the state 16 were declared major disasters by FEMA.
  3. Flood damage is not covered by your homeowners’ insurance it’s covered by the National Flood Insurance Program (NFIP).
  4. 1 in 4 flood claims made is by people who live outside designated flood zones.
  5. Flood insurance offers coverage for your structures and their contents.
  6. There are limits to the amount of coverage. For coverage beyond the standards limits, you will need to purchase excess flood insurance.
  7. You can buy flood insurance through your insurance agent.
  8. Flood insurance does not cover flood damage to your car. You will need an auto policy with comprehensive coverage. Neither liability or collision coverage will not pay for damages.
  9. Flood insurance takes at least 30-days to become active. It’s best to plan ahead.
  10. According to the NFIP, the average premium for flood insurance is $700. The cost will fluctuate according to the risk.

Floods and flood waters can be devastating and the damages extremely costly. If you do not live in a flood zone, you may still be at risk. Contact your insurance agent to discuss the National Flood Insurance Program.



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