The short answer is “Yes, you may.” Surprisingly, almost 25% of all potential flood claims occur in areas that are not designated as Flood Zones. That’s because heavy rains or snow melt can easily flood your home or business simply because the ground and sewer systems can’t absorb a rapid accumulation of water.
If you are in a designated Flood Zone, coverage is even more important. Most of these “Zones” are so designated because they are believed to flood at least once every hundred years.
Of course, no one knows which year that will be – it could be right around the corner or many years down the road. So, the best advice is to talk to your insurance agent and find out how much a Flood Insurance Policy would be for your home or business.
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