#Insurance Division

Flood insurance is separate from homeowners insurance and generally not required unless a property is in a designated high-risk flood zone; standard flood coverage normally helps cover physical damage caused by rising water, such as damage to a home’s structure and certain essential contents.

“With the recent local forecasts including possible flooding and strong winds, we are reminded that natural disasters can be unpredictable, and flooding can happen anytime and anywhere,” said acting state Insurance Commissioner Jerry Bump.