Given the deluge of rain Georgians experienced this summer, recent news reports of flooding and related images of swollen creeks and submerged houses may not come as much of a surprise. What may come as a surprise, however, is that much of the severe flooding in Georgia this year occurred in mountainous North Georgia, an area that does not meet the typical description of a flat, flood-prone region.
This underscores an important point- that flooding can happen anywhere, to any of us, at any time. In fact, flooding is the most common, and costly, natural disaster in the U.S. Yet, as many homeowners learn too late, homeowner’s insurance policies DO NOT cover damages caused by a flood. Instead, such coverage is available only by purchasing special “Flood Insurance”. Flood insurance is widely available through the National Flood Insurance Program (NFIP), a program administered by the Federal Insurance and Mitigation Administration, which is part of FEMA.