The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


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Kingdom Tree Insurance Group

113 South Monroe Street,
1st Floor,
Tallahassee, FL 32301

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When is flood insurance required?

Owning a home in the Tallahassee, FL area can be a fun experience. Not only is it a great place to live, but it also provides plenty of opportunity for property appreciation. When you do invest in a property in Tallahassee, it is important that you understand all of the risks, such as the risk of flood. One way to mitigate this risk is by getting flood insurance. In fact, there are several situations in which having flood insurance will be required. 

When you are in a High-Risk Area

For most people, the most common reason why flood insurance will be required is if they live in a high-risk area. If you live in an area that has been designated as high risk by FEMA, your mortgage lender will be forced to require you to carry insurance if you received your loan from the FHA or a federally-insured lender. The bank will also be required to escrow for flood insurance payments monthly. 

Mortgage Lender Decision

Even if you are in a low or moderate risk area, your mortgage lender likely will still have the right to require the insurance. Most mortgage documents even give the right for the lender to require you to carry the insurance whenever they feel it is necessary. This could end up being an unexpected expense for you.

If you are in the Tallahassee, FL area, the risk of a flood occurring at any given time is real. Since you want to make sure that you and your home are properly protected by insurance, you need to make sure that you have flood coverage. To start the process of getting flood insurance, you should contact the Kingdom Tree Insurance Group. The professionals at Kingdom Tree Insurance Group will be able to review your situation to make sure that you have the right type and level of flood insurance.