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If your home's replacement value is higher than these limits, you may want to look into to provide "excess" coverage. 3. Why You Need It (Even If You Aren't in a "Flood Zone")

To receive the full replacement cost for damages to your home, you must typically insure your home for at least 80% of its replacement value . buy fema flood insurance

Relying on federal disaster grants is risky. FEMA disaster assistance is often limited to a few thousand dollars and is only available if a federal disaster is declared. In contrast, a flood insurance policy pays for your actual covered losses regardless of a disaster declaration. Flood Insurance | FEMA.gov If your home's replacement value is higher than