If you live or do business in a flood zone, carrying flood insurance is a necessity. Some mortgage companies will require you to carry insurance against the horrific damage that a flood can cause.

However, All Counties Insurance Agency & Traffic School, serving Palm Coast, FL would like to suggest that even if you do not live or have a business in a flood zone, you might well want to consider carrying flood insurance anyway.

Leaving aside that our community faces the Atlantic and is thus a prime target for hurricanes, recent weather events have shown that, given the right conditions, a lot of places that were never considered to be in a flood zone can and do flood. The recent storms that have caused torrential flooding down the Missouri and Mississippi Rivers are a case in point. Given sufficient rainfall over a sufficient period of time, any community that is near a major river or close to the ocean can find its streets turned into rivers and its front yards turned into lakes.

Nothing can be compared to what Tropical Storm Harvey did to the city of Houston and surrounding areas in August 2017. The storm parked itself over southeast Texas and rained for days. As a result, a great American city became a lake, with impassable roads and homes and businesses that have never flooded in living memory suddenly inundated. The cost of damage and lives disrupted was beyond calculation.

If you have any questions concerning flood insurance, contact All Counties Insurance Agency & Traffic School, serving Palm Coast, FL