Do I need flood insurance?

The maximum coverage limits under a standard flood policy are $250,000 for a single family home structure ($500,000 for businesses) and $100,000 for single-family home contents (500,000 for businesses). The coverage limit for renter contents is $100,000.

Property owners living in lower risk areas may qualify for a "preferred risk" policy which provides the same coverages at substantially lower rates.

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1. Do I need flood insurance?