Click to Call
Insurance Solutions

6265 Rivers Ave, North Charleston
SC 29406

Get Directions

Insurance Solutions Blog

Tips for Living in a Flood Zone

If you live in a flood zone, you know that the flood season can be a stressful time. The constant threat of rising waters can make it difficult to relax and enjoy your home. However, there are a few things you can do to help reduce your stress levels and make the most of your situation. By taking some simple precautions and being prepared for the worst, you can minimize the impact of flooding on your life. South Carolina Federal Insurance Solutions provides you with the following guide for living in a flood zone.

Tips for Living in a Flood Zone

1. Know Your Risk

The first step to reducing your stress during flood season is to know your risk. If you live in a high-risk area, you will need to take more precautions than those who live in a lower-risk area. Be sure to check your local flood maps and talk to your insurance advisor to determine your level of risk.

2. Have a Plan

Once you know your risk, you can start to prepare a plan. If you live in a high-risk area, you should have an evacuation route planned out. Be sure to practice your route and make sure everyone in your household knows where to go. You should also have an emergency kit prepared with food, water, and other supplies.

3. Get Flood Insurance

For those who live in a designated flood zone, purchasing flood insurance is not optional – it is required by most mortgage lenders. Remember, your homeowner’s insurance policy probably doesn’t cover flooding, and even if it does, the coverage is likely to be limited. A separate flood insurance policy can protect your home and belongings from flood damage and can give you peace of mind knowing that you’re covered in the event of a flood.

Get Flood Insurance in South Carolina

For those living in a flood zone, it’s important to know your risk and be prepared. Insurance Solutions can help you assess your risk and find the best flood insurance policy for your needs. For more information on how to protect your most valuable asset or to get a quote, call us today at (833) 359-0725.

Who should have flood insurance?

Flooding is a devastating natural disaster. In the last few years, flooding has occurred in places that have never experienced flooding before. Starting this month, the Federal Emergency Management Agency’s National Flood Insurance Program’s pricing model will take into consideration a property’s unique flood risk factoring in climate change. If you haven’t considered purchasing flood insurance before, this might be the right time to get a free quote from an Insurance Solutions advisor.  

Flooding isn’t usually covered by a standard homeowners policy. Instead, you’ll need to purchase a separate flood insurance policy. It is important that you assess your risk level. What is the chance that your location will experience flooding? In the last few years, cities and towns across the country have been hit by what is referred to as 100-year floods. They usually only have a 1% chance of it happening in any given year.  

Many South Carolinians live on or near a lake, river, beach or other high-risk area where it’s worth considering flood insurance even if your mortgage company doesn’t require it. Insurance Solutions is happy to help explain more about this important coverage. It is sold in two parts; property and contents. Homeowners can purchase one or both parts.

Anyone who thinks they need flood insurance and who lives in a participating community is eligible to purchase it. Flood Insurance is typically purchased through the National Flood Insurance Program. Insurance Solutions offers coverage through the National Flood Insurance Program but also has access to several private carriers that may be able to offer expanded coverages and more competitive rates. If you are interested in a quote, Insurance Solutions has a team of insurance specialists who are ready to help you. 

Why Work With Us?

  • Locally-owned and Operated
  • Appointed with Top-rated Carriers
  • Experienced, Licensed Advisors
  • High Service Standards
  • Community Involvement
  • Secure Access to Your Policy Info

Trusted Choice

Archives

Categories

Servicing States

  • South Carolina
  • North Carolina
  • Georgia

Testimonials

Our Carriers

  • Allied
  • ASI/Progressive
  • All Risks
  • Capital Preferred
  • Federated National Insurance Company
  • Foremost
  • Liberty Mutual
  • Lighthouse
  • Main Street/Old Dominion
  • National Flood Services
  • National General
  • National Security
  • Progressive
  • Safeco/Liberty Mutual
  • Sagesure
  • Travelers
  • Universal Property
  • Utica