Including living room furniture, dining room table & chairs, appliances, kitchen ware & food, bedroom furniture, televisions & home entertainment systems, computers & accessories, washers & dryers, accent furniture & accessories, clothes, etc.
Including finished flooring (carpet & pad, wood), doors, base trim, windows, interior wall finishes, kitchen & bath cabinets, repairs to furnace/AC, electrical, plumbing, wall insulation, drywall or paneling, cleaning, etc.
Your Flood Risk(?) Is:
The flood risk indicator score is based on several factors including: flood zone, flood history, elevation and unique flooding characteristics.
Interior Water Depth:
We're here to help!
FloodTools.com calculates estimated flood risk using data from several expert sources.
While we strive to provide to most accurate data available, the accuracy of estimated flood risk cannot be guaranteed.
In order to effectively use our tools to estimate your flood risk and flood loss potential you must understand the limitations of these tools and accept the Terms and Conditions.
Did You Know?
• Everyone has some level of risk for flooding.
• Flooding is NOT covered on a standard homeowners policy.
• Flood insurance can be as affordable as $15/month.
• The average flood claim is over $33,000. (2007-2011)
(To use the Loss Calculator you must accept the terms and conditions.)
*Estimates are for illustrative purposes only and should not be used to estimate any actual flood loss. A flood certified insurance adjuster making a room-by-room, detailed estimate of covered flood damage is the only estimating method approved by and acceptable to the National Flood Insurance Program. These estimated costs are based on preferred rates on an average U.S. home, built on slab and with typical household items. Costs vary from state to state and home to home.Based on a preferred risk policy premium. Some properties will not qualify for a preferred risk policy. Premiums are billed on an annual basis and your premium may vary based on the level of coverage you choose. It is recommended that you purchase flood insurance equal to or greater than your homeowners insurance policy to provide maximum protection.
Flood Quick Facts
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.
Flood insurance is required by law for some high risk homes but only a minority of homes fall under this category. Congress passed some laws requiring that all federally-insured or regulated lenders, for instance mortgages backed by Fannie Mae or Freddie Mac require flood insurance to protect their investment in the property.
90% of all natural disasters have some form of flooding.
If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.
Voluntary flood insurance policies are not enforced until 30 days after purchase.