Flood Insurance in New York

Hey homeowner, did you know that your regular home insurance policy probably doesn't cover flooding?

That's right — in order to keep your home properly protected, you need flood insurance coverage. This is especially true if you live in the North Salem, NY area, thanks to our location with two large reservoirs, numerous streams, and many ponds and other bodies of water, not to mention proximity to the coast. Even if your home isn't specifically in a low-lying area, it's very possible for water to become trapped and cause property flooding. It's also no secret that our area of New York state is susceptible to the Atlantic's hurricanes.

We at the Carminucci Agency are homeowners ourselves, and we care about making sure everyone in the Westchester, NY area has the flood coverage they need. Give us a call today to find out more about your policy options or keep reading to learn more about flood coverage in New York.

New York Flood Insurance Laws

You are only required by law to have flood insurance if your home is in a FEMA flood zone (as defined on their website) and you happen to hold a federally-backed mortgage. In the North Salem region, many homes may indeed fall under this description. Additionally, homeowners in New York who have received FEMA disaster assistance in the past are required to have flood insurance.

Why Everyone Should Consider Flood Insurance

Even if you are not legally required to have flood insurance, it's still something most homeowners choose to invest in. After all, the difference between having flood insurance and not having it can be the difference between being able to keep your home and losing it. Like other forms of insurance, flood coverage prevents you from having to pay entirely out of your own pocket for damage incurred in a flooding event.

Have more questions? Ready to get started on protecting your home from floods? Shoot us an email, give us a call, or come visit our offices today!