Individuals living in Alabama or Tennessee, especially those who live along the Tennessee River, are often concerned about flooding. The agents at Will Wright Agency Inc. in Decatur, AL understand the concerns. When buying homeowners insurance, it’s essential to ask about flood insurance. Knowing whether or not you live in a floodplain will determine if you need to add it to your policy.
Find Out If You Live Near a Floodplain
Even though you may not live close to a river or lake, you may need to consider flood insurance. Floodplains are areas that are prone to flooding after continuous heavy rain or other natural disasters. If you aren’t sure if you live in a floodplain, it’s a good idea to do a little research to find out.
Know Where the Nearest Waterways or Ponds/Lakes Are Located
If you are concerned about flooding, find out where the nearest waterways are. This can include ponds, lakes, rivers, streams, and reservoirs. Even small waterways can flood under the right circumstances. Knowing where each waterway is and how far it is away from your home will help you calculate your risk of flooding.
Talk to Your Local EMA Director
Your local EMA director will be able to tell you if you live in a floodplain. They have geographic maps to help identify flood-prone areas.
At the Will Wright Agency Inc., our agents serve residents who live in or near Decatur, AL. They are there to answer your questions and make sure you get the type of insurance you need to fully protect your home and family from various types of disasters. Make an appointment today!