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Do I Need Flood Insurance?

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Q: Do I Need Flood Insurance?

A: As is the case with most types of insurance, there’s no yes or no answer to this question. The actual answer is that it depends. 

You’re required to purchase flood insurance if you’re in one of a few high-risk flood zones or if your mortgage lender requires it. If not, this isn’t to say you don’t “need” flood insurance, but you aren’t federally required to purchase a flood policy. If you’re in a moderate-risk flood zone, you may want to pay for a flood policy on the chance that there could be a flood. Often, the price is minimal if you aren’t in a high-risk zone, making it worth the cost. 

You can determine which flood zone you’re in by typing “what flood zone am I in” as a search query and using an interactive map to find your address. The best way to determine which coverage to purchase – and what you need – is to speak with your independent agent. 

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