Some people in Oklahoma hold the misconception that flood insurance only applies to coastal homes, beach properties or rural areas near rivers that frequently overflow. However, over 20% of flood insurance claims come from areas outside of high-risk flood zones. Many come from dense urban environments. Insurance Source Solutions can help you get the right policy to protect against flood damage.<\/p>\n
Whether you have a single-family home or live in a townhome or ground-floor condo, standard home policies won’t cover flood damage. In urban areas, flood risks rarely come from rivers but from the cities themselves. Urban flooding poses a unique risk because it rarely results from slowly rising rivers. Rather, floods come from overwhelmed infrastructure. Three factors frequently combine to cause urban flooding:<\/p>\n
When heavy rains occur in cities, asphalt and concrete can absorb the water, so millions of gallons rush down streets to storm sewers. Many cities have drainage systems built decades ago that lack the capacity to handle heavy runoff. Nearby construction can alter runoff flow, leading to unexpected pooling areas. These combined factors can cause rainwater to back up into streets, basements and low-lying ground floors.<\/p>\n
Strongly consider buying Federal Emergency Management Agency (FEMA) flood insurance if you fit one of these three categories:<\/p>\n
For threats from municipal sewers, you can elect to buy a sewer backup endorsement to cover this type of municipal flooding.<\/p>\n
Insurance Source Solutions, serving Oklahoma residents, can guide you to an appropriate flood insurance policy. Contact our office today to get started on coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"
Some people in Oklahoma hold the misconception that flood insurance only applies to coastal homes, beach properties or rural areas near rivers that frequently overflow. However, over 20% of flood insurance claims come from areas outside of high-risk flood zones. Many come from dense urban environments. Insurance Source Solutions can help you get the right policy […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[26,24,14,13],"class_list":["post-152","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-flood","tag-insurance","tag-insurance-source-solutions","tag-oklahoma"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t