Is Flood Insurance Mandatory in Kansas?

Flooding is the most common natural disaster in the US, causing damage of billions of dollars and putting millions of people at risk every year. Since flood damage isn’t covered by standard home insurance, you should get stand-alone flood insurance from Marla Williams Agency, serving many locations in Kansas. 

Is Flood Insurance Mandatory in Kansas?

Is flood insurance mandatory?

No Kansas law requires homeowners to buy flood insurance. However, if you have a mortgage and your home is located in a high-risk flood area, your lender will insist you purchase flood insurance. But whether flood insurance is compulsory or not, every homeowner and renter should have it because it can save you from a financial crisis.

Why you should buy flood insurance

The unpredictable nature of flooding in the US means that you have to be prepared all the time. And you don’t need to live along the coastline to be at risk of floods. Wherever it rains, the risk of flooding is always there.

Here are the reasons you should invest in flood insurance:

  • To protect your assets: Flood insurance protects your building structure and the contents inside when floods strike. This means you don’t have to start from scratch when floods strike. Your insurer compensates you to repair or even rebuild your home.
  • Flood damage is expensive: When floods strike, they leave untold damage behind. Just a one-inch rise in water level leads to repairs of about $25,000. If the floods are heavy, you can see how expensive it can get. 
  • Peace of mind: When you have flood insurance, you don’t have to live on the edge when the weatherman announces a heavy storm is on the way. You stay relaxed, knowing that your assets will be safe even after floods strike.

Ready to get started with flood insurance? Please get in touch with Marla Williams Agency for an affordable quote. We serve many locations in Kansas.