![]() Flood insurance is a separate insurance product that can protect against flood damage. Most homeowner’s insurance policies do not cover flooding. Most homeowner’s insurance policies do not cover damages caused by a flood, so anyone with a home in an area susceptible to flooding should consider purchasing flood insurance. What is Flood Insurance?įlood insurance protects a structure (home or business) and its contents (furniture and items inside) from flood water damage. Your search will bring up a Flood Insurance Rate Map (FIRM) for the area where your property is located. Go to the FEMA website and enter your address to determine whether your house is in a designated flood hazard area. Find Your Flood Insurance Rate Map (FIRM) The severity or type of flooding in the area reflects in each zone. These zones are shown on a community’s Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map. The Federal Emergency Management Agency (FEMA) defines geographic areas according to varying levels of flood risk into flood zones. Is your house in a flood zone in Pinellas County? Are you moving into a new home in Palm Harbor, Clearwater, Safety Harbor, Dunedin, or Tarpon Springs that is in a flood zone? Do you understand what a flood zone means or the Florida laws and insurance agency policies dealing with flood zones? This article will be helpful for you to get an understanding of floor insurance in Pinellas County.
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