If you live in an area that’s prone to flooding or simply want to be prepared for the unexpected, flood insurance may be something to consider. However, this form of insurance isn’t available everywhere. Our team at Insurance & Financial Services Inc. is happy to answer any questions about flood insurance for Baton Rouge, LA residents.

What is Flood Insurance?
Flood insurance is coverage designed to replace or compensate you for damage to your home or personal belongings as a result of a flood. A flood is defined as an overflow of water on land that is usually dry. Flood insurance provides coverage for people who may experience a flood and incur damage to their homes and belongings as a result. 

How do I know if I’m Eligible for Flood Insurance?
In order to participate in the flood insurance program, you must reside in an area where flood insurance is offered. This is typically referred to as an area where the National Flood Insurance Program or NFIP is offered. The National Flood Insurance program provides different forms of flood insurance in areas where flood insurance is offered. Flood insurance is available to property owners, renters, and businesses, where available. Call one of our agents today to discuss flood insurance eligibility. 

If you reside in an area that doesn’t offer flood insurance, your community can use floodplain management criteria that match the flood risk data presented by FEMA. If you have questions about flood insurance and how you can obtain it, give us a call. Our team at Insurance & Financial Services Inc. is standing by to answer questions and help Baton Rouge, LA residents get the coverage they need.