Flood Insurance in Omaha NE
What is a Flood?
Flood insurance covers direct physical loss caused by “flood.” In simple terms, a flood is an excess of water on land that is normally dry. Flood losses are excluded under homeowners insurance so a separate policy is needed for this exposure.
Here’s the official definition used by the National Flood Insurance Program.
A flood is a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
- Overflow of inland or tidal waters;
- Unusual and rapid accumulation or runoff of surface waters from any source
- 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.
*Mudflow is defined as “A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water…”
FEMA National Flood Insurance Program Summary of Coverage
United Insurance Agencies provides some of the most competitive rates in Omaha. Call today for flood insurance, 402-492-8020.