Posted August 31st, 2017 by Joan.

Flood Insurance

The #1 Natural Disaster in the United States – Flood

Hurricane Harvey’s record breaking, ongoing tropical storm disaster resulting in loss of life and property will be felt for years. Those affected by the wind damage and unimaginable flooding may never fully recover from this heartbreaking, tragic event.

It is interesting to note that of the ten states most at risk for flood, seven are on the east coast. In addition to severe damage from tropical storm and hurricane activity in coastal areas, keep in mind that the heavy rains brought on by these storms often extend hundreds of miles inland.

You don’t have to live near a shoreline to come under the threat of floods and powerful winds. In fact, flash floods, inland flooding and seasonal storms do affect every area of the country. “Just a few inches of rain water can cause tens of thousands of dollars in damage.” Whether you agree with the overwhelming opinion of scientists that greenhouse gases and global warming is impacting the dangers of flooding, it is a fact that the risk of flooding is worsening.

How is a flood defined? “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.”

Are you eligible for flood insurance?
You are reminded that flood damage to your property is normally not a covered peril in your farmowners or homeowners insurance policy. If you feel you may be at risk, consider obtaining flood insurance available through the Federal Emergency Management Agency (FEMA). (If you are in a known flood hazard zone, your mortgage lender will require it.) Talk to your agent about flood insurance when reviewing coverage on your horse farm.

To learn more about the National Flood Insurance Program, your risk for flooding and how to prepare for floods, visit FloodSmart.gov/hsfactsheet and FloodSmart.gov. And, as always, Blue Bridle emphasizes the importance of emergency preparedness. Have a plan!


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