--- title: Flood Insurance - What You Should Know --- # Flood Insurance - What You Should Know * * * ## Flood Insurance - What You Should Know You’ve probably heard this horror story before – someone loses a home due to a flood and learns after the fact that a standard [Home Insurance policy](/homeowner-insurance "Georgia Home Insurance Information") in Georgia doesn’t cover flood damage. At [Cowart Insurance](/independent-agent "Why Choose and Independent Insurance Agent") we want you to be educated about all of the risks you may face in Buford, Flowery Branch, Dacula, Suwanee, Grayson or Lawrenceville – before a loss occurs – so you can determine what insurance coverage is appropriate. Because very few companies offer [Flood Insurance](/flood-insurance "Georgia Food Insurance Information") in Georgia, the U.S. government created the National Flood Insurance Program (NFIP) in 1968. Available to H[omeowners](/home-insurance-quote "Home Insurance Quote"), [Renters](/renters-insurance-quote "Renters Insurance Quote ") and B[usiness Owners](/business-insurance-quote/request-quote "Business Insurance Quote "), this insurance often is required to obtain a mortgage in areas at high risk of flooding. But you might want to look into a policy just for peace of mind, even if you don’t live in a traditionally flood-prone area. According to the NFIP, nearly 25 percent of the program’s claims occur in moderate- to low-risk areas. Check out the questions and answers below to help determine whether flood insurance is right for you. ### Is flood insurance available in my area? To participate in the NFIP, a community must adopt and enforce a floodplain management ordinance with rules regarding construction in certain flood-prone areas. In exchange, the government makes flood insurance available within that community. We’re happy to help you find out if you’re eligible for flood insurance. Just give us a call at [Cowart Insurance](/contact "Contact us"). You can also visit [www.fema.gov](http://www.fema.gov/). ### What does it cover? The NFIP provides coverage for both the structure and its contents. Coverage for contents is optional in some cases, so you may want to [give us a call](/contact "Contact Us ") to discuss other coverage for your personal property. Keep in mind that you typically can’t purchase [Flood Insurance](/flood-insurance "Flood Insurance Information ") and have it take effect the next day. There is usually a 30-day waiting period. (Exceptions to this rule apply, however, particularly when the insurance is required by a lender and is purchased during the process of securing a mortgage.) If you think you need flood insurance, don’t wait to buy a policy! ### What doesn’t it cover? Generally, government-issued flood insurance will **not** cover the following: - Buildings entirely over water or principally below ground - Gas and liquid storage tanks - Animals - Aircraft - Wharves, piers, bulkheads, growing crops, shrubbery - Land or roads - Machinery or equipment in the open - Most motor vehicles. ### How much does it cost? As with all insurance policies, the cost of [Flood Insurance](/flood-insurance-quote "Flood Insurance Quote") varies depending on your situation. If your home or business is in a high-risk area, such as a "special flood hazard area," your premium naturally will be higher than those in low- or moderate-risk zones. Premiums are based on how old the building is, how many floors it has, the location of its contents, your deductible and more. [Renters Insurance](/renters-insurance-quote "Renters Insurance Quote ") is typically less expensive, as renters generally insure their belongings and not the building. ### Where can I find more information? As always, we at Cowart Insurance Agency are happy to help you determine your insurance needs. Stop by our office, email us at email [at] cowartinsurance [dot] com, or give us a call at 770-339-0447. The [NFIP website](http://www.fema.gov/national-flood-insurance-program) has plenty of answers as well. Every situation is unique. These tips will help you begin the process of making the decisions that are right for you and your family. We are happy to discuss your specific coverage requirements. So, [call us](/contact "Contact Us - Cowart Insurance") at 770-339-0447. We can walk you through the steps to ensure you have the right coverage. We’re here to help. We are located in the metro Atlanta area in Lawrenceville Georgia. We serve the entire state of Georgia. We are conveniently located near the Mall of Georgia in the Suwanee, Buford, Flowery Branch, Braselton, Auburn, Winder, Lawrenceville, Grayson and Loganville area. ## Insurance Quotes Give us some info and we'll help you find the best coverage options. 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