Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from Manhattan, NY

Asked on 05/10/2010

Do I have to buy flood insurance? NULL

Answer given on May 18, 2010

Well, it depends.  If you own your home outright, you are not required to purchase flood insurance.  If you have a mortgage on your home, your mortgage paperwork, if you live in a flood zone, can (will) require that you purchase flood insurance, the same way that your mortgage paperwork can (will) require that you purchase home insurance.  The mortgage company wants to protect it’s interests.  If your home is damaged, and the damage can be covered by home and/or flood insurance, the mortgage company will require either or both of those policies. 

Your insurance company can also require flood insurance as a requirement for coverage, although you may not live in a flood zone.  This is because they want to make sure you have the proper coverage in case you live near water.  Remember, about 25% of floods occur outside of the flood zones.

There are many people who don’t realize that flood damage isn’t covered by homeowner’s insurance.  Most of those people don’t find this out until AFTER the flood has damaged their home and their property.


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