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The City of Titusville, Florida / Emergency Management / NewsThe Importance of Flood Insurance
Floods are the number one natural disaster in the United States. Everyone is at risk--even those not near flooding sources like rivers and lakes. Floods can happen as a result of heavy rains or tropical systems such as hurricanes, overloaded drainage systems, land development runoff, and for many more reasons. Flooding causes damage and destruction across regions nationwide--wiping out homes, businesses and personal savings.
Floods are measured in feet. The devastation they leave behind is measured in dollars.
Most homeowners insurance doesn't cover flood damage
Just an inch of water can cause tens of thousands of dollars in damage to property, including personal contents
In a high risk area, your home is more than twice as likely to be damaged by flood than by fire
In the South, approximately 24 percent of homeowners in high-risk areas are covered by flood insurance; however, outside of the high-risk areas, only three percent of homeowners have purchased flood insurance
In a high-risk area, there's a 1-in-4 chance a home will flood over the course of a 30-year mortgage
Flash floods, inland flooding and seasonal storms can flood every region of the country
NATIONAL FLOOD INSURANCE PROGRAM
The National Flood Insurance Program helps reduce flood losses by providing affordable flood insurance to property owners. Because flooding is not typically covered by homeowners insurance, such flood insurance covers direct physical loss caused by "flood". In some cases, floods can be devastating to a local area but may not qualify for federal or state assistance. In these incidences, flood insurance may be the only financial assistance consumers can get other than personal loans.
Flood losses in the U.S. averaged $2.4 billion per year for the last decade
As of May 2010, the National Flood Insurance Program paid more than $4 billion in flood insurance claims for the prior two years
Nearly 75 percent of all federally declared disasters over the past five years involved flooding
Federal disaster assistance is usually a loan that must be paid back with interest--and is only available when a disaster has been federally declared
If a federal grant or loan for previous flood losses was received, a flood policy must be in force to qualify for future aid
In 2009, the average flood insurance claim was nearly $27,000
As a community that participates in the National Flood Insurance Program (NFIP), Titusville homeowners and business owners are eligible to purchase flood insurance. Renters are also eligible to purchase a flood insurance policy.
Flood insurance is sold through private insurance companies and agents, and it is backed by the federal government. Contents coverage is not automatically included in a standard flood policy, but can be added for an additional fee.
When a flood insurance policy is purchased, there's typically a 30-day waiting period for coverage to become effective. Don't wait until a storm threatens your property. It could be too late!
Creating a stronger and safer community reduces loss of life and property; enables individuals and localities to rapidly recover from disaster events, and lessens the financial impact on individuals, businesses and government. The Emergency Management Team of the City of Titusville urges you to contact your local insurance agent today and learn about the benefits of securing flood insurance.