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You may think you’re already protected against flood damage, but you’re probably not. Flooding is the most common natural disaster in Utah, yet most homeowners and renters aren’t properly covered. Get to know the facts about flood insurance and get protected.

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HOMEOWNERS INSURANCE ONLY COVERS PIPE BREAKS INSIDE OF YOUR HOME

Flooding caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems and broken water mains from outside the home are not covered by most homeowners and renters policies.

ONE INCH OF WATER CAN CAUSE $26,000 WORTH OF DAMAGE

Repair costs really add up once you’ve done what’s necessary to replace your personal possessions, carpet, drywall and insulation. To prevent toxic black mold and eroding foundations, repairs must be made to code.

EVEN HOMES OUTSIDE OF DESIGNATED FLOODPLAINS ARE AT RISK

You do not need to live near water to experience flooding. More than 70% of flooding in Utah in the past few years has been outside of the Special Flood Hazard area. Utah has had more flooding and rain events in recent years and not all flood risk is mapped in Utah.

FEMA INDIVIDUAL ASSISTANCE AVERAGES LESS THAN $5,000

The value of flood insurance is much higher than the cost. The average property owner can purchase flood insurance for less than $2 a day. Buy flood insurance before a flood happens, otherwise you won’t be covered.

97% OF UTAHNS DON’T HAVE PROPER FLOOD COVERAGE

Flood insurance policies typically take 30 days to go into effect. If you wait to purchase a policy until after a flood event threatens or occurs, your property won’t be protected from the damage caused by that flood event.

Get Covered

National Flood Insurance Program (NFIP) policies can be purchased through thousands of insurance agents nationwide. The agent who helps you with your homeowners or renters insurance may also be able to help you with purchasing flood insurance. If your insurance agent does not sell flood insurance, you can click the link below or contact the NFIP Help Center at 800-427-4661. NFIP flood insurance policies can only be purchased for properties within communities that participate in the NFIP. Ask your agent if your community participates or look it up online.