Standard homeowners insurance doesn't cover flooding. That's why it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. And that's why it's also important to talk to us about flood insurance underwritten by the National Flood Insurance Program (NFIP).

Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. The lower the flood risk in the area where you live, the lower the cost.

To find out more about the NFIP and how it can help you protect yourself, please click on the link below. On this website, you will also find some animated flood risk scenarios and some real-life stories about average homeowners just like you who thought they were safe from flooding.