The legal definition of a flood, as defined by the The National Flood Insurance Program (NFIP), is as follows:
A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder's property) from: —Overflow of inland or tidal waters; or—Unusual and rapid accumulation or runoff of surface waters from any source; or—Mudflow; or
Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
Anywhere it rains it can flood.
Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.
Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors such as: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. New development miles upstream can create flooding in your area.
Flood insurance policies can cover physical damage to your property and possessions that result from a flood if you choose to set the policy up to extend to both the house and contents.
Lallis & Higgins Insurance is able to assist your flood insurance needs, and even have access to a flood insurance program that offers a competitive rate to some owner occupied home in the AE Flood Zone.
Is your house in a flood plain?
Many homeowners simply do not know whether or not they are in a flood plain. Fortunately, FEMA has flood map service center portal that enables you to search on your address to locate the flood map in your area.
Lallis and Higgins Insurance is an independent insurance agent located in Weymouth, MA. We help families, and business in Massachusetts
find affordable insurance options without compromising coverage. Lallis and Higgins Insurance is here to help you, your family,
and business find affordable insurance options that will protect what's most important to you - when you need it.