Living in Harford County, Maryland, brings with it the beautiful green landscapes and the pleasure of experiencing all four seasons. However, amidst the beauty lies a potential risk that every homeowner should be prepared for: flooding. 

With the increasing frequency of severe weather events, understanding the nuances of flood insurance is becoming critical for residents of Harford County.


Do You Need Flood Insurance?

flood insurance

One of the most common questions homeowners face is whether or not they need flood insurance. 

The reality is that floods can happen anywhere, regardless of whether you live in a designated flood zone. In fact, over 20% of flood insurance claims come from properties outside high-risk flood areas. 

It’s essential to assess your risk based on factors such as proximity to bodies of water, historical flood data, and elevation—and as you know, localized flash flooding is a common occurrence during spring and summertime thunderstorms in our area.


What Does Flood Insurance Cost?

flood zone

The cost of flood insurance varies depending on several factors, including your property’s flood risk, coverage limits, and deductible. 

Contrary to popular belief, flood insurance can be surprisingly affordable, especially if you’re not in a high-risk flood zone. For instance, we’ve been able to provide affordable flood insurance quotes to Harford County residents at Gerety Insurance.

Moreover, the peace of mind it offers in protecting your home and belongings from flood damage far outweighs the cost of premiums.


Understanding Flood Insurance Policies

FEMA flood insurance policies are typically offered through the National Flood Insurance Program (NFIP) or private insurers. 

These policies cover both your home’s structure and its contents, providing financial protection in the event of flood-related losses. 

It’s essential to review policy details carefully, including coverage limits, exclusions, and waiting periods, to ensure you have adequate protection.


The Payout Process: How Does Flood Insurance Work?

insurance claim form

In the unfortunate event of a flood, filing a flood insurance claim follows a straightforward process. After documenting the damage and contacting your insurer, an adjuster will assess the extent of the loss and determine the payout amount based on your policy coverage. It’s crucial to act swiftly and provide thorough documentation to expedite the claims process and facilitate prompt repairs.

It’s not uncommon for policyholders to worry about having the right coverage when they need it—which is why it’s incredibly helpful to insure locally

Local insurance agencies prioritize developing partnerships with their clients, understanding their unique needs and preferences, and crafting tailored coverage plans that align with requirements and budgets.

When you choose to work with local insurance brokers you trust, navigating the complexities of insurance becomes simpler. 

Unlike national brands, local agents offer personalized attention, taking the time to establish a meaningful relationship with you. They know your name, understand your needs, and are committed to finding the right coverage at affordable rates.


Your Trusted Partners for Protection

At Gerety Insurance, we understand the importance of safeguarding your home against unforeseen risks like flooding. With our expertise and personalized approach, we’re here to help you navigate the complexities of flood insurance and find the coverage that suits your needs and budget.

As residents of Harford County, Maryland, being prepared for the unexpected is crucial. By understanding the nuances of flood insurance and taking proactive steps to protect your home, you can ensure peace of mind and financial security for you and your family. 

Contact Gerety Insurance today to learn more about flood insurance options and take the first step toward comprehensive protection.


Have more questions? We’re here to help.

How do I know if I need flood insurance?

Assess your property’s flood risk based on factors like proximity to water bodies and historical flood data—localized flash flooding is a common occurrence during spring and summertime thunderstorms in Harford County, Maryland.

Is flood insurance more expensive if you aren’t in a flood zone?

Not necessarily. Flood insurance premiums are determined by various factors, including flood risk and coverage limits. 

At Gerety Insurance, we pride ourselves on developing partnerships with our clients, understanding their unique needs and preferences, and crafting tailored coverage plans that align with their requirements and budgets.

Should I get flood insurance if I’m not in a flood zone?

Yes—at the end of the day, floods can occur anywhere. Having flood insurance provides financial protection and peace of mind against costly flood-related damages.

How does a flood insurance policy work?

Flood insurance policies cover both the structure and contents of your home against flood damage, offering financial reimbursement for eligible losses.

How does flood insurance payout?

After filing a claim, an adjuster assesses the damage and determines the payout amount based on your policy coverage.