Flood damage to your home, condo, apartment is not covered by your homeowners policy. A Flood Insurance policy is meant to protect policyholders from the direct damages associated with the effects of flooding.
If your home or business lies in what the Federal Emergency Management Agency (FEMA) designates as a 'high-risk' zone for flood, you are required to have Flood Insurance in Scituate, Massachusetts. Generally, 'High-risk' refers to zones of land with a 26% or higher chance of experiencing a flood within a 30 year period. Though a minimum level of protection is required by the federal government for high risk areas, additional protection is available and highly recommended.
Floods can happen anywhere. In fact, more than 20% of flood insurance claims made to the National Flood Insurance Program (NFIP) are reported by people located in zones not designated as 'high-risk'. Though not required, renters, homeowners, and business owners who aren’t located in 'high-risk' areas should still purchase Flood Insurance in Scituate, Massachusetts in order to protect their investment.
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