Flood Insurance

Shield Your Home from Costly Flood Damage

Floods are the most common natural disaster in the United States, and surprisingly, a large number of flood insurance claims come from areas that are not officially labeled as high-risk zones. The reality is, flooding can occur almost anywhere, and when it does, the financial impact can be overwhelming.

What many homeowners don’t realize is that standard homeowners insurance does not cover flood damage. The losses can be devastating—just one foot of water can cause more than $27,000 in damage to a modest-sized home. According to the National Flood Insurance Program (NFIP), the average flood claim exceeds $38,000. Without flood insurance, those expenses come directly out of your pocket.

Among all areas of a home, the basement is often the hardest hit. Flood coverage can help pay for cleanup costs and the repair or replacement of essentials like furnaces, water heaters, washers, dryers, central air units, freezers, utility connections, and sump pumps.

Affordable Protection That Matters
Securing a flood insurance policy is one of the smartest steps you can take to protect your home and financial well-being. Even in low-to-moderate risk zones, policies are available at reasonable rates—and the coverage could save you from overwhelming expenses if a flood occurs.

Talk to your Paston Agency advisor to find out if flood insurance is the right addition to your homeowners coverage.