Why You Need Flood Insurance—Even If You’re Not in a Flood Zone
Flooding Can Happen Anywhere: What Every Property Owner Needs to Know
When most people think of flooding, they picture rivers overflowing or hurricanes hitting coastal towns. But the reality is that flooding can happen anywhere—even in areas not officially labeled as high-risk flood zones.
At
McShea Insurance Agency, we want to help you understand that flood risk isn’t limited to those living near water. In fact, 20% to 40% of all flood losses occur in areas classified as low or moderate risk.
A sudden downpour or a blocked storm drain can lead to significant water damage. You don’t need a named storm or hurricane for flooding to occur. Just one heavy rainstorm can overwhelm local drainage and leave your property flooded.
One inch of water can cause over $25,000 in damage. Yet many homeowners and business owners in lower-risk zones don’t carry flood insurance. This leaves them vulnerable to costly repairs and limited federal aid.
FEMA assistance, when available, is often small and not designed to make you whole. Most disaster grants average only about $5,000—not enough to rebuild or replace what was lost.
Five Ways to Protect Your Property from Flood Damage
1. Purchase Flood Insurance
Even if you’re not in a high-risk area, flood insurance provides essential financial protection. Standard home and commercial policies don’t cover flood damage.
2. Maintain Gutters and Downspouts
Clean them regularly to ensure rainwater flows away from your structure, not into your foundation.
3. Install a Sump Pump
A sump pump in your basement or lower level helps manage water intrusion during heavy rains.
4. Elevate Utilities
Keep major systems like heating, electrical panels, and appliances above likely flood levels.
5. Landscape for Drainage
Ensure your yard is graded to direct water away from your building. Use plants that absorb water efficiently.
If you do experience flooding or water damage, response time matters. We recommend keeping a list of trusted water restoration companies handy:
- SERVPRO (nationwide with quick response times)
- Whalen Restoration Services (Cape Cod-based, known for thorough, personalized service)
- Oceanside Restoration (local, dependable, and experienced in coastal flooding)
Protecting your home or commercial building from flood damage starts with awareness and preparation. Email or call McShea Insurance Agency to review your flood exposure and discuss affordable insurance options before water ever becomes a problem. We’re here to help you stay ahead of the risk.
