Kansas City, MO -- As spring approaches, so does the threat of unexpected flooding. State and federal disaster officials are reminding homeowners throughout Missouri that they may purchase flood insurance coverage through the National Flood Insurance Program (NFIP).
You don't need to live near water to be flooded. Flooding can be caused by storms, melting snow, water backup from inadequate or overloaded drainage systems and dam or levee failure.
Year in and year out, flooding is the leading cause of property loss from natural disasters in this country. All too often, homeowners learn after the fact that protection against flood loss is not part of their normal insurance protection package. Only flood insurance protects you from damages caused by flooding.
Flood insurance is affordable and available through ANY licensed property agent who is in good standing with their state's Department of Insurance. The average flood insurance policy costs a little less than $400 a year for about $100,000 of coverage.
There is a 30-day waiting period before the coverage goes into effect, so plan ahead to avoid unpleasant surprises. To find out more about flood insurance call the NFIP general information toll-free hotline at 1-800-638-6620.