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25% of homes with flood claims each year are in low risk zones.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Voluntary flood insurance policies are not enforced until 30 days after purchase.
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.