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Who Needs Flood Insurance? Everyone!

Release date: 
August 25, 2010
Release Number: 

LEXINGTON, Ky. -- Flooding is one of the most common natural disasters in the United States. No one knows this better than Kentuckians who are now struggling to recover from the recent severe storms. For those who didn’t have flood insurance, recovery may be more challenging.

According to Federal Emergency Management Agency officials, some people do not buy flood insurance because they don’t understand how the insurance works. Buying flood insurance can provide protection and peace of mind.

“With the frequency of flooding in the Commonwealth, many more Kentuckians would benefit
from obtaining flood insurance,” said Kentucky Division of Emergency Management Director,
John W. Heltzel.

“We have more than 89,000 miles of rivers and streams and rainfall that averages 40 to 50 inches a year. Unfortunately, many property owners and even insurance agents don’t know enough about flooding risks and the advantages and peace of mind that flood insurance brings,” Heltzel said.

Here are some common myths and facts about the National Flood Insurance Program.

MYTH: My homeowner’s insurance will cover me for flood damage.
Homeowners’ insurance does not cover flood damage. You need a separate flood insurance policy. Federal flood insurance, purchased through your insurance agent or company, is the only guaranteed flood insurance available.

MYTH: Flood insurance is only available to homeowners.
  Renters can also purchase policies to cover personal property. Business owners can get coverage for buildings and their contents, including equipment.

MYTH: I can’t buy flood insurance because my home has been flooded before.
It doesn’t matter if your home has been flooded before.  As long as your community participates in the National Flood Insurance Program, you can buy flood insurance.

MYTH: I can get federal disaster aid if my home has flood damage. I don’t need to buy flood insurance.
FEMA disaster assistance is only available after a Presidential disaster declaration that includes the county in which you live. You may have flood damage but your county might not be designated for federal disaster aid. Flood insurance policies pay claims whether or not a disaster is declared.

The time to buy flood insurance is now. After you purchase a policy, there is a 30-day waiting period before it goes into effect.

For more information talk to your insurance agent. You can also call toll-free 888-379-9531 or visit to find out how to prepare for a flood, assess your risk, estimate the cost of flood insurance premiums, find local insurance agents and get links to community based information.

Additional information, photos and links for this and other open disasters can be found at and

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 8, 2017 - 10:43
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