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Did You Know... Nearly 25% of flood insurance claims come from low-to-moderate risk areas.


Flood Insurance in California

Flood Costs

 

 california flood insuranceCalifornia Flood Insurance

The Federal Emergency Management Agency (FEMA) asserts that the number one natural disaster in the United States is flooding. California Flood Insurance, Inc., in association with National Flood Insurance, LLC, exclusively handles flood insurance in the state of California. The agents at California Flood Insurance, Inc. are specialists in their field and focus on providing comprehensive information and excellent customer service to the current and potential clients they assist.

The goal of California Flood Insurance, Inc. and its dedicated agents is to assist California residents with not only understanding the basics of flood insurance, but to clarify the common misconceptions as well.

Misconception Number One is the belief that homeowners insurance will cover any flood-related damage. The truth is that homeowners insurance policies DO NOT cover flooding and this misconception has led to many properties sitting unprotected.

Misconception Number Two is that flood insurance is an expensive purchase. If your home or business sits in a FEMA-determined low risk zone, flood insurance can be purchased for as little as $129 per year.

Misconception Number Three is that many homeowners mistakenly believe their property is not in a flood zone because there is no water nearby. FEMA has determined the entire state of California to be in a flood zone, with varying levels of risk. It doesn’t take a lake or river nearby to pose a flood risk; flooding can occur anywhere that it rains or snows.

National Flood Insurance, LLC, the parent company of California Flood Insurance, Inc., is home to professionals who have extensive knowledge of flood insurance as well as up-to-date information about current National Flood Insurance Program (NFIP) legislation. They are happy to assist you with any questions or concerns you may have. National Flood Insurance, LLC, and California Flood Insurance, Inc. are direct representatives of FEMA and all flood insurance policies are processed through NFIP.

Agents are standing by at 1-888-900-0404 to provide you with a complimentary flood zone determination, flood insurance quote, and are available to discuss your flood insurance-related questions and concerns. Flood insurance coverage is important. Please protect your home or business and call us today!

NFIPAn Overview of the NFIP

In 1968, Congress passed the National Flood Insurance Act to address, in part, increasing concerns about flood preparation and the mounting costs associated with flood insurance. Born of this act was the National Flood Insurance Program (NFIP). The NFIP endeavored to reduce the cost of flood insurance by introducing government subsidies. Higher construction standards were also implemented to help minimize damage caused by flood events. During its initial stages, the NFIP was part of the Department of Housing and Urban Development (HUD).

100,000 flood insurance policies were in force nationwide in early 1972. Hurricane Agnes swept in and devastated a large portion of the eastern United States later that same year resulting in close to $4 billion in damage. After an investigation, Congress realized that few buildings were covered by flood insurance, and subsequently passed the Flood Disaster Protection Act in 1973, which further amended 1968’s National Flood Insurance Act.

The Flood Disaster Protection Act of 1973 required any buildings in recognized flood hazard zones to carry flood insurance coverage if they wanted to receive federal aid or loans from FDIC-insured banks for federal disaster assistance. When the 1970s came to a close, nearly 2 million flood insurance policies were in effect.

Today, the NFIP is overseen by FEMA which is part of the Department of Homeland Security, and the number of flood insurance policies nationwide has grown to over 5.6 million.

california policiesCalifornia Flood Insurance Policies

As of September 2011 there were 267,990 flood insurance policies in effect in California. According to FEMA, this is the fourth largest number behind the coastal states of Texas, Louisiana, and Florida.

Today, the NFIP makes flood insurance available to more than 20,000 United States communities and territories. Additionally, more private insurance companies are offering flood insurance backed by the government across the nation. Even though federal assistance is a crucial part of disaster recovery, the United States taxpayers are saved millions of dollars a year through the NFIP.

Cali factsCalifornia State Facts

  • CA MOTTO "Eureka" ("I have found it!")
  • STATEHOOD July 26, 1788
  • CA CAPITAL Sacramento
  • # OF COUNTIES 58
  • AREA 163,707 sq. miles
  • COASTLINE 840 miles
  • SHORELINE 3,427 miles
  • POPULATION (2010) 37,253,956
  • # OF HOUSING UNITS (2010) 13,680,081
  • MEDIAN HOME VALUE $479,200 Owner Occupied, 2005–09
  • MEDIAN INCOME (2009) $58,925


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