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: Nov 5, 2012

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Insurance Question from Orange, TX

Asked on 11/05/2012

Is it possible to have a FEMA flood Insurance policy while not having an independent home owners insurance policy? NULL

Answer given on November 08, 2012

A FEMA flood policy is a separate policy issued and managed by FEMA for a homeowner or renter for damages due to a flood. There is no requirement for the homeowner or renter to have an independent homeowner policy. If you have a loan on your home, and are in a defined flood zone, you will be required by the lender to purchase flood insurance.Homeowner insurance is written by independent or separate insurance companies. This policy does not cover for flood damage to a home. Again, if you have a loan you are required to purchase homeowner insurance to protect the property in the event of a claim. However, if you don’t have a loan, you can choose to not purchase homeowner insurance evenif you have flood insurance.While FEMA manages the flood insurance program you can purchase a flood policy from your homeowner insurance company. They often have arrangements to handle the insurance for FEMA, even though any losses are handled by FEMA adjusters.


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