Flood Insurance is only essential if you live in a high-risk area | Insurance Myths

🚫 Not true! Many people mistakenly believe they don’t need flood insurance because they don’t live in a designated high-risk flood zone. However, 20-25% of flood claims come from areas outside these high-risk zones. That’s nearly 1 in 4 claims!

🌊 Why Flood Insurance Matters Everywhere
Flooding can happen anywhere, whether it’s caused by heavy rains, rapid snowmelt, hurricanes, or even broken water mains. It doesn’t matter if you live in a low-risk or moderate-risk area—the financial impact of flooding can be devastating without proper coverage.

🔥 Did you know? You’re four times more likely to sustain a loss from flooding than from a fire over the course of 30 years. Yet, most homeowners focus on fire safety and underestimate the risks of water damage.

Flood Insurance is only essential if you live in a high-risk area Insurance Myths

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🏠 Homeowners Insurance Won’t Save You
One of the biggest misconceptions is that homeowners insurance will cover flood damage. Unfortunately, standard homeowners policies specifically exclude flood-related damages, leaving you vulnerable to expensive repairs and recovery costs.

💡 Take Action Now
Protecting your home with flood insurance isn’t just for those in high-risk zones—it’s a smart investment for anyone who wants peace of mind. Talk to Murphy Insurance to understand your options and ensure you’re covered before disaster strikes. Don’t wait until it’s too late—prepare now, protect your future by contacting us today.

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Flood Insurance is only essential if you live in a high-risk area | Insurance Myths

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Flood Insurance is only essential if you live in a high-risk area | Insurance Myths

Learn about our Flood Insurance Policies

Read our Blog Posts

Flood Insurance is only essential if you live in a high-risk area | Insurance Myths

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

Is Your Business Prepared to Survive a Disaster?

10 Questions to Help Assess Changing Insurance Needs

Home Winter Weather Preparation Tips

Alarming Number of Americans Unprepared for a Major Disaster

Flood Insurance: Storm Claims Q&A

Hurricane Season Insurance Checklist

2022 Atlantic Hurricane Season Forecast to be ‘Above-Normal’

Flood Insurance Issues for Home Buyers & Sellers

Prevent Flooding from Snow Melt

Hurricane Season to Have ‘Above-Average’ Activity

How To Protect Your Home From Water Damage

Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

In Case of a Flood

Flood Insurance Bill Signed Into Law in 2014

Get Your Coverage Updated Well Before a Storm

Hurricane Sandy One Year Later

Flood Insurance Reform may Significantly Increase Premiums for Some Property Owners

Hurricane Season is Here. Be prepared.

Lessons From Sandy…Get Flood Protection

Hurricane Season Highlights Need for Flood Insurance

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