Understanding Your Flood Risk: Factors to Consider for Appropriate Coverage

Living in St. Augustine, FL, you are no stranger to floods. With hurricanes and tropical storms frequently hitting our coastal community, flooding is a real threat we must prepare for. Tim Huber Insurance discusses the factors you must consider when assessing your flood risk to ensure you have the appropriate coverage.

  1. Location: Location is vital in determining your flood risk. Living in a coastal area makes you more likely to experience flooding during a tropical storm or hurricane. Additionally, if you live in a low-lying area, you may be at a higher risk of flooding during heavy rains. Even if you do not live in a high-risk flood zone, it does not mean you are safe from flood damage.
  2. Home Elevation: Your home’s elevation can also impact your flood risk. If your home is built in a high-risk flood zone, it will be elevated to reduce flood damage. However, your home may not be elevated if you live outside a high-risk area. Considering this when assessing your flood risk and purchasing insurance coverage is crucial.
  3. Age of Home: The age of your home can also impact your flood risk. Older homes may have outdated plumbing or insufficient drainage systems, which can lead to flooding during heavy rains. Assessing your home’s existing drainage systems and making any necessary improvements is essential.
  4. Proximity to Water: The proximity of your home to water sources like rivers, lakes, and the Atlantic also impacts your flood risk. If you live near a water source prone to flooding, you are at a higher risk of flood damage.

Understanding your flood risk is crucial in St. Augustine, FL. Contact Tim Huber Insurance to determine the appropriate coverage for your home and possessions.