It surprises many to learn that a flood event has affected 99% of U.S. counties in the last 20 years, and 40% of National Flood Insurance Program claims come from properties outside the designated high-risk zones. As Brooklyn experienced recently, flooding can occur nearly anywhere, and since basic home insurance policies seldom cover floods, homeowners should consider acquiring flood insurance. If you live in or around Brooklyn, NY, consider the Access Legacy Insurance Group for your flood or other insurance needs.
Available Flood Risk Resources
You can assess your home’s flood risk by checking the Federal Emergency Management Agency (FEMA) Flood Map Service Center. Entering your address results in a map that displays your home, the surrounding area, and flood risk indicators. FEMA’s risk zones include:
- High-risk zones (Zone A or V): Areas that flood frequently, so those with a mortgage may be required to have flood insurance.
- Moderate-risk zones (Zone X): Occasional flooding
- Low-risk zones (Zone D): Limited flood risk
New York City Planning also provides resources and additional information.
How To Mitigate Your Flood Risks
If your area is prone to flooding, you can work with a flood risk expert to determine whether elevating your home or landscaping changes can reduce your flood risk. Equally important, you should consult with your insurance agent to evaluate your home insurance and understand the benefits of flood insurance. Remember, homes outside the high-risk zones account for 40% of flood claims.
Working with the Access Legacy Insurance Group
Access Legacy Insurance Group covers the insurance needs of the Brooklyn, NY, area. We will work with you to find the policies that best meet your situation. So, call us today at (888) 613-0022 to discuss your flood and other insurance needs.
