Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Private insurance companies and the federal government recognized that their association would improve the overall success of the program. Accordingly, insurance companies administer the program, but the federal government funds the insurance.
Floods can happen anywhere and without warning. 25% of homes with flood claims each year are in low risk zones just like yours. Give yourself and your family the peace of mind of knowing that they are protected should a flood happen. It will take a full 30 days from the time your policy is purchased to be valid so waiting to make this decision is a serious risk.
90% of all natural disasters have some form of flooding.
Flood damage is not typically covered by a homeowners insurance policy.