Did you Know – March 16th to 22nd is National Flood Awareness Week?

There has been a lot of information in the media about changes to the National Flood Insurance program.  Remember that standard homeowners insurance policies do not cover damage from flooding. 

Mortgage companies require flood insurance if you are in a high risk zone, but not if you are in a low risk zone.  While it may not be required, we strongly encourage our clients to retain this valuable insurance protection.  Every year we seem to be breaking weather records.  Won’t you rest easier knowing that if there is a severe weather event you are properly protected?  Remember there is generally a 30 day waiting period for flood coverage to take effect, so if you do not have coverage and want to purchase it when you think you need it, you may not be able to get it.

Statistics show that 25% of flooding occurs outside areas formally designated as being flood prone.

Here are some interesting facts we thought you would like to know about flooding:

  • Floods are the most common and widespread of all natural disasters outside of fire
  • 90% of all presidential-declared U.S. natural disasters involve flooding
  • Floods occur within all 50 states (they can occur anytime, anywhere)
  • Communities particularly at risk are those in low lying areas, coastal areas, or downstream from large bodies of water.
  • There is a 26% chance of experiencing a flood during the life of a 30 year mortgage (more than 6 times the likelihood of a fire)
  • Even minor flooding can cost homeowners thousands of dollars in losses and repairs
  • Six inches of water will reach the bottom of most passenger cars – causing loss of control and possible stalling.
  • A foot of water will float many vehicles.

Do you know the difference between a flood watch and a flood warning? A watch says flooding is possible, a warning means flooding will occur soon.

If you have any questions about your flood insurance coverage, or if you do not have this extremely important coverage and are interested in learning more, please contact us.  You may also want to visit the government’s website which has more information about flooding and the National Flood Insurance program.  To visit the site click here.


Doherty Insurance Agency
21 Elm Street
Andover, MA. 01810
Telephone: 978-475-0260
Fax: 978-475-0303