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Misconceptions About Who Can Buy Flood Insurance

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Release date: 
June 8, 2011
Release Number: 

CLINTON, Miss. -- Ninety percent of all natural disasters in the United States involve some degree of flooding. The risk of losing everything is greater from flooding than from fire.

Flood insurance helps protect Mississippians. But some people don't buy flood insurance because of common misconceptions regarding the program.

Misconception: My homeowner's insurance policy covers flood damage.
No, it doesn't. Homeowners and business owners should buy flood insurance for their structures and contents. Renters can buy insurance for their belongings. A referral to an agent who sells flood insurance in your area can be reached at 888-379-9531 or go online to

Misconception: I don't need flood insurance because I don't live in a high risk flood zone.
Approximately 25 percent of all flood claims come from people living in low-to-moderate flood risk zones. If it rains, it can flood.

Misconception: You can't buy flood insurance if you live in a high-risk flood area.
Wrong. In Mississippi, the only place you can't buy flood insurance is in communities that choose not to adopt the National Flood Insurance Program guidelines for floodplain management.

Misconception: You can't buy flood insurance immediately before or during a flood.
There is a 30-day waiting period after you've paid the first premium, but you can buy flood insurance anytime.

If you live near a levee, endure hurricanes, have a sewer system that may clog, or experience sudden heavy rain falls; flood insurance is a useful investment.

FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Updated: 
July 16, 2012 - 18:46
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