Do you need flood insurance? Or are those flood insurance ads on television just a ploy by the insurance companies to get you to buy yet another insurance policy? Floods are obviously quite common in low lying areas that are surrounded by water. In these areas, not having flood insurance is downright financially suicidal in the event of a serious storm.

However, what about the homes that are not plunked right in front of a water source? Do they still need to be insured against the potential for flooding? Of course they do. As it turns out, there are many claims for flooding that come from some of the most unlikely areas. It’s not just a function of simple flooding that puts your home at risk.

First, think about what would happen to your home even if just two or three inches of water covered your floors. How much of your personal belongings touch the floor and how many electrical junctions do you have throughout your home just an inch or two off the floor? How many of these things will put your entire home at risk if there was even just a small flood in your home?

Ground water can start to meet the rain water when the ground is saturated. It doesn’t take much to start noticing a significant rise in innocuous bodies of waters such as streams and ponds. It doesn’t take much for the overly saturated ground to start siphoning off rain water, which in turn creates flooding.

Since you don’t have to be living right next to the river in order to experience a flood, flood insurance doesn’t just become a necessity for those who are in the coastal region. Everyone, from those who live in the plains to those who live in the Piedmonts, can be at risk for a flood.

Oversaturation is not the only thing that can cause sudden flooding. Large storms can also cause flooding. While we all know that hurricanes can cause floods, you might not know that Nor’easters and even large thunderstorm systems can also.

It takes very little time and money to get a good insurance policy that will protect you against the damage of even a small flood. While you might not have an ocean front view, flood waters can still manage to do a great deal of damage.

Author: Ken Henry has some great suggestions on finding the answers to your insurance questions. Get flood insurance rates from the best companies, plus get an exciting tip sheet on auto and home insurance

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