With so many changes with our weather patterns, locations which have never incurred flood loss before are experiencing flooding.

Of course, flood insurance is available if you are in a flood zone.

Preferred risk policies up to $250,000 coverage are available for as little as $352 annually, if you are in a low-risk flood zone (ie., an area that is zoned to flood once in every one hundred years).

The Federal Flood Insurance Program offers up to $250,000 for building coverage and $100,000 for contents. If you are in an “A” or “V” zone, which are areas more likely to incur a flood loss, you may want to consider purchasing additional coverage through an excess lines market.