According to the National Weather Service, Americans live in one of the most severe weather-prone countries on Earth. Each year Americans cope with an average of 10,000 thunderstorms, 5,000 floods, 1,000 tornadoes, and an average of 2 land-falling deadly hurricanes. And this is on top of winter storms, spring snow melting and intense summer heat, high winds, wild fires and other deadly weather impacts.
The Colorado State University Colorado State University hurricane researchers Philip Klotzbach and William Gray anticipate “an above-average probability of United States and Caribbean major hurricane landfall.” Klotzbach and Gray report that “The probability of U.S.
Springtime is a visible reminder that floods are the most common natural disaster in the U.S.
You are at risk for flooding no matter where you live. Just a few inches of water in a home can cause thousands of dollars of damage. Flooding happens every day in all regions of the country. One way to help stay protected from floods is by making sure you have flood insurance.
Flood Insurance is easy. The cost is reasonable, in most areas, and flood insurance is available to homeowners, renters and businesses. There is even a lower cost flood policy known as the Preferred Risk Policy (PRP) designed for properties that meet certain criteria and are located outside a Special Flood Hazard Area. The PRP policy has lower rates because it covers structures that are in low- to moderate-risk areas.
There is a standard 30 day waiting period for a flood insurance policy to go into effect. So now is the time to start buying flood insurance to help protect yourself from heavy spring rains and before the start of the hurricane season.
For more information contact James Ard at james@ardknoxinsurance.com .
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