Need a Flood Insurance Quote in Missouri?

No home is completely safe from potential flooding. The National Flood Insurance Program, also called NFIP, was developed by congress in 1968 for property owners to protect themselves from flood events. The program allows property owners in participating communities to purchased protection that is administered by the government. Congress also put into legislation the requirement for flood insurance for all loans or lines of credit that are secured by existing buildings, manufactured homes, or buildings under construction, that are located in participating community. A participating community has an agreement with the federal government that states that if the community will adopt a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas, the government will make flood insurance available.

Flooding can be both emotionally and financially draining. With flood insurance, you are able to recover faster with as many out of pocket costs. Without flood insurance, your family may be forced to make repairs out of pocket or take out additional loans to fix the damage.

home owners insurance, MBG Insurance, Springfield, MO

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What does Flood Insurance Cover?

Not every policy is made the same. Flood insurance can be purchased through the NIFP program along with private companies. Therefore, each policy may be different so it is important to talk to your agent forehand.

Contents - Flood insurance can include coverage for your contents. Typically, it is purchased separately from the building/structure coverage and will have a separate deductible. For a proffered risk policy, you might have an option for combination coverage for both the building and contents. However, the deductible will likely still be separate.

Building Coverage -  Similar to contents coverage, building coverage is designed to protect a home, building or business.

Examples of Building Coverage

  • Electrical and Plumbing systems
  • Furnaces, water heaters, heat pumps or sump pumps
  • Permanently installed carpeting
  • Window Blinds
  • Foundation walls

Examples of Contents Coverage

  • Personal Belongings
  • Curtains
  • Laundry Washers
  • Certain valuable items subject to certain limits

Are you Required to Have Flood Insurance in Missouri?

Homes and businesses in high risk areas are required to have flood insurance if they have a mortgage from federally regulated or insured lenders. When purchasing a home, it is recommended that you look at the flood maps to ensure your new home will not require flood insurance. Also if you live in a high-risk flood zone and your have received disaster assistance in the form of grans from FEMA or low-interest disaster loans following a Presidential Disaster Declaration, you might be required to maintain flood insurance.

Let us help you Purchase Flood Insurance in Missouri

Once you get a flood insurance quote through the MBG Insurance Insurance Agency, you might be surprised at how affordable it can be. Every home proposes a flood risk, let us help protect yours.

What is Covered? 

Flood insurance is an important coverage that helps protects your home against the risk of flooding.

What is an Elevation Certificate? 

You might be required to get an elevation certificate if you need to purchase Flood Insurance.

What Does Flood Insurance Cover?

Flood Insurance helps cover more than just your home or business. You might also be able to get coverage for your contents.

What is Covered? 

Flood insurance isn't as comprehensive as home insurance. Must polices provide coverage for the building or contents.

What is a Flood Map? 

The National Flood Program uses Flood Maps to determine the kind risk your property proposes.

How to Purchase Flood Insurance ? 

Flood Insurance can be purchased through a local agent similar. The MBG Insurance Insurance Agency offers Flood Insurance.

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