Know Your Flood Insurance Policy

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Release date: 
August 23, 2004
Release Number: 

ESSINGTON, Pa. -- Disaster-recovery officials remind Pennsylvanians that everyone can experience flooding even while not living or working in a designated flood-hazard area. Whether your risk for flooding is mild, moderate or extreme, consider purchasing flood insurance in addition to the homeowners or renters insurance you may already have. Homeowners insurance does not cover flooding.

The National Flood Insurance Program (NFIP) provides all Americans the opportunity to find an agent in their area who sells flood insurance. If you would like to find an agent near you, call 1-800-427-2419 or log onto

Once you've purchased flood insurance, familiarize yourself with what is and is not covered in your policy to be prepared should you need to file a claim. Below is a list of articles generally included and excluded from flood insurance policies. However, consult your agent to know what applies to you:

What's Covered What's Not Covered
  • The insured building
  • Built-in appliances and central air
  • Permanently installed paneling, wallpaper, cabinets and carpet
  • Limited coverage for basements
  • Detached garages (up to 10 percent of total policy value)
  • Debris removal
  • Contents, if contents coverage was also chosen
  • Vehicles
  • Land and fences
  • Plants
  • Animals
  • Currency
  • Boats
  • Swimming pools
  • Decks

Remember, you must renew flood insurance every year to maintain coverage, and individuals signing up for the first time will generally have to wait 30-days before their policies take effect.

If you have questions about NFIP or your insurance policy, call your agent first. If you still have questions after speaking to your agent, contact the NFIP Regional Manager Rich Sobota, 1-856-489-4003.

On March 1, 2003, FEMA became part of the U.S. Department of Homeland Security. FEMA's continuing mission within the new department is to lead the effort to prepare the nation for all hazards and effectively manage federal response and recovery efforts following any national incident. FEMA also initiates proactive mitigation activities, trains first responders, and manages Citizen Corps, the National Flood Insurance Program and the U.S. Fire Administration.

Last Updated: 
July 16, 2012 - 18:46
State/Tribal Government or Region: 
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