洪水ing is a problem in hg8868皇冠, and in recent years, it’s becoming more common. The Enhanced State Hazard Mitigation Plan 在这个问题上是明确的:
“The entire state of hg8868皇冠 is particularly susceptible to flooding due to the large amounts of coastline, 重要的排水系统, and the relatively low elevations.”
Tidal flooding, also known as “sunny day flooding,” has become a major issue for Miami, 基拉, Fort Lauderdale, and other coastal communities. hg8868皇冠大学的一项研究 found that flooding along the US’s southeast shoreline increased at 0.75 an inch per year from 2011-2015, as compared to the global rate of 0.1英寸/年. Shifting atmospheric conditions, rising sea levels, and coastal erosion all contribute to this issue.
hg8868皇冠 also has a significant rainy season, running from May 15 to October 15. During these six months, we get about 70 percent of our annual rainfall. Last year, record amounts of rain fell as late as 12月，扰乱了假日旅游.
房地产公司, Zillow, 还有非营利环保组织, 气候中心, conducted a 2019 study that indicates that over the next three decades, 成千上万的hg8868皇冠家庭约3美元.38 billion worth of residential real estate—are at risk for serious flooding.
洪水ing is Not Just a Coastal Problem
Forty-nine of hg8868皇冠’s 67 counties are at high-risk for flooding. That number includes 11 inland counties. Rivers, streams, lakes, and canals have all flooded during hurricanes or big rain events. 近年来, inland flooding has caused more hurricane-related deaths in hg8868皇冠 than storm surge.
hg8868皇冠 averages 45 flood events a year, with annual property loss of $86 million, according to the Division of Emergency Management.
Does 首页 hg8868皇冠 Cover 洪水ing?
首页 and renters insurance cover water damage caused by non-flood events, such as a burst pipe. 他们 不包括 洪水造成的损失.
Your bank may require you to purchase flood insurance prior to giving you a mortgage. 这取决于你住在哪里, your bank may be able to legally purchase flood insurance for your property and send you a bill.
hg8868皇冠人生活在 洪水区 需要洪水hg8868皇冠. However, 20 percent of flood claims come from residents located outside of designated 洪水区. An uncommon flood event, such as the rain that followed Hurricane Irma, may 毁灭的房主 生活在“低风险”地区.
Both renters and homeowners should purchase flood insurance. 罗伊·赖特, the former director of the Federal Emergency Management Agency’s National 洪水 hg8868皇冠 Program, recommends that all Floridians purchase flood insurance. The hg8868皇冠 Information Institute warns that hg8868皇冠 has “没有flood-free区.”
Twenty-percent of flood claims come from residents located outside of designated 洪水区.
The NFIP defines flooding as an overflow of inland or tidal waters, rapid accumulation of surface waters from rainfall, 和液体泥石流. The flood event must affect at least two acres or two adjoining properties. 洪水 insurance also covers the collapse or destabilization of a shoreline, resulting from erosion or a storm surge.
The accumulation of rain in a home, due to roof or other structural damage, is considered a wind event rather than a flood event and is not covered by flood insurance. If there is a watermark, damage is generally considered 洪水造成的损失.
An NFIP policy covers up to $250,000 in structural damage for residential properties and up to $500,000元用于商业物业. The policy payout considers the amount it would take to replace your home or building, rather than the actual value of the structure with depreciation.
Contents of Your 首页 or Business
An NFIP policy covers the contents of your home for up to $100,000 and of your business for up to $500,000. Content payout is based on actual cash value, which means the payout would reflect the depreciation of your belongings. Basement contents are not covered, although basement clean-up and total-building appliances located in the basement are covered.
Outdoor property, such as patio furniture and swimming pools, are not covered by an NFIP policy. Damage to vehicles and temporary housing expenses are also excluded. (全面的汽车hg8868皇冠 will cover your car in the event of a flood.)
Get 洪水 hg8868皇冠 from 农业局hg8868皇冠
洪水 insurance is federally regulated through the National 洪水 hg8868皇冠 Program (NFIP). You can purchase flood insurance through licensed property and casualty agents, such as your local Farm Bureau agent. 这些政策是标准化的, meaning you will pay the same rate no matter which insurance company handles your policy. You can also purchase flood insurance for commercial or rental property.
We are now entering hg8868皇冠’s rainy season, and we are not that far from hurricane season, 从6月1日开始. If you want your property to be covered when the risk is highest, don’t procrastinate.