Experts always say no one is really ever safe from floods, but how bad is your situation? Learning about your property’s risk level helps you prepare for flooding events while minimizing financial losses. Fortunately, there are many ways to know whether you’re in a low, moderate, or high-risk area, whether you’re in Kansas or any other part of America. Here are a few ways to find out:
Get a Flooding History Report For Your Property
If you are not the first person to live in your property, your previous owner must have a good history of the property. If you cannot reach them, your neighbor can help you crack it all up when you check their flooding history. Marla Williams Agency experts also recommend searching your property or other neighboring properties to know their risk level.
Use the FEMA Flood Map
The FEMA flood map shows overlays of unique floodplains and the risk around your property. In addition, you can sport labels such as “0.2 PCT annual Chances of flood hazard”. Check when the labels were adopted in your area. If the date is not too recent, you can head to the dynamic map to see the updated versions.
Keep Track of your Surroundings
Flood zones and floodplain designations tend to change over time due to the new constructions and topography changes. Therefore, if you are living in your home for a long time, be sure to keep track of the changes at least every five years to know whether your flood risk level is deteriorating or not.
Look Into Your and Flood Insurance
Your flood insurance can tell a lot about your property. The policy should contain all the details of the exact location and flood risk level. Remember your insurance provider will need to check the risk level to determine your premiums.
Buying flood insurance in Kansas, but not sure where to start? Marla Williams Agency can help you find a policy that matches your needs. Call us today.