You might think that flood season has come and gone, but flood season never actually comes and then goes away. Living in Missouri we can have floods any time of the year. This includes spring flooding, summer flash floods, winter floods from the snow melting and yes even in the autumn. A lot of people don’t know much about flood insurance, which is why we though this was such a great blog to share. This blog comes from Redfin and was originally written as a guest blog by FloodSmart.

How much do you know about your flood risk? It’s not as cut-and-dry as one might think – and it doesn’t take a Category 4 hurricane to see the effects of heavy rainfall. Many of us tend to think that living outside of a coastal area will keep us safe from flooding caused by hurricanes and tropical storms, but don’t let out of sight mean out of mind.

In fact, every single state in the United States has experienced floods in the past year. Anywhere it can rain, it can flood — so protecting what matters with a flood insurance policy may be the most important decision you make this year. Whether you live on the coast or hundreds of miles inland, floods are still a significant risk to your property.

If you’re looking to potentially save thousands of dollars, we suggest that you read and share some of these tidbits on flooding and flood insurance that will help you and your family in the long term.

1. Flooding is the nation’s most common and costly natural disaster.

In 2014, the average flood insurance policy cost about $700 a year, while the average National Flood Insurance Program (NFIP) flood claim was nearly $30,000. In addition, over 20 percent of all NFIP flood insurance claims come from areas outside of mapped high-risk flood zones. “With that said Missouri has enough flood zones that this warning should not be taken lightly”.

2. Most homeowners insurance doesn’t cover damage due to flooding.

Review your insurance policies to know what is and — more importantly — what is not. Contact your insurance agent to review your coverage and to purchase a flood insurance policy. If you don’t have an insurance agent that offers flood insurance, contact Insurance Advisors of St. Louis today, our agents will be able to help you and if you rather fill out our form for a quote you can do that here.

3. Flood insurance policies typically take 30 days to go into effect.

Buy flood insurance now, before it’s too late. Having a plan in place doesn’t make you overly cautious; it makes you prepared to protect what matters. Don’t take risks. Be FloodSmart. Learn more at

Again we found this blog post to be great and very informative about flooding and the general public’s lack of flood knowledge. We hope this blog post will help with that confusion and convince you to get the proper flood insurance.

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