The Midwest Floods- A Startling Reminder

Earlier this week homeowners around the country had to look no further than the front page of every newspaper to be reminded of the importance of . 

 On Tuesday, The Mississippi River swelled and burst through the levee that protected the town of Gulfport Illinois… the damage was devastating. 

 The flood waters filled the town with about 10 feet of water- ruining homes and businesses.  In the middle of this disaster homeowners and business owners alike came to a disheartening realization: most of them were without flood insurance. 

 In 1999, local officials in Gulfport, Mississippi assured local residents that the levee was strong enough to withstand even the most treacherous flood.  FEMA agreed with town officials causing many home insurance holders to drop their flood insurance- or never apply for it at all. A mistake they will regret for a lifetime. 

After the flood waters began to recede in Gulfport a gruesome number surfaced: Twenty-eight.  The total number of property owners who were insured against the damage. 

Too often homeowners who do not live in a coastal city- who are not required by their lender to obtain flood insurance- will never purchase it.  Gulfport Illinois is a grim reminder that while your home might not be in a “flood plain”, all homes are in a flood zone- and are at risk of being flooded. 

It’s Important to Know…

Standard home insurance does not cover damage caused by a flood.  Separate flood policies are available and will protect homeowners’ in the event of flood damage. If you would like more information visit our article on Flood Insurance. Or, contact a home insurance agent today to see what type of flood insurance is available for you.  

At HomeInsurance.com, it is our top priority to find our customers the best home insurance available. Contact us today to see how we can help protect you, your home and your family.

Your Agent at HomeInsurance.com