Barth Howard Homeowners Insurance and Auto Insurance in San Ramon, California 

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What's the Cost of a Flood?


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Flood Insurance 101:

Flood Insurance 


Make sure you're prepared with Farmers Flood insurance

It only takes a few inches of water,

and your home could need major repairs ...



call me (925) 699-4200

for a quote


Everyone lives in a flood zone.
  You don't need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems.
Flood damage is not covered by homeowners policies.
  You can protect your home, business, and belongings with flood insurance from Farmers -- up to $250,000 for the building and $100,000 for contents.
You can buy flood insurance no matter what your flood risk is.
  You can buy flood insurance as long as your community participates in the National Flood Insurance Program. Flood insurance is a good buy even in low or moderate risk areas. Almost 25 percent of all flood insurance claims come from low- to moderate-risk areas.
There is a low-cost policy for homes in low to moderate risk areas.
  The Preferred Risk Policy is available for just over $100 a year. You can buy up to $250,000 of coverage for your home and $60,000 of coverage for your contents.
Flood insurance is affordable.
  The average flood insurance policy costs about $300 a year for $100,000 of coverage. In comparison, a disaster home loan for $50,000 can cost you more than $300 a month over 20 years.
Contents coverage is separate, so renters can get flood insurance.
  Up to $100,000 contents coverage is available for homeowners and renters. Contents are not automatically included with the building coverage.
Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents.
  Up to $500,000 of coverage is available for non-residential buildings and up to $500,000 of coverage for their contents.
There is usually a 30-day waiting period before the coverage goes into effect.
  There is a standard 30-day waiting period, from date of purchase, before a new flood policy goes into effect. However there are some exceptions to the 30-day wait.
  • If your lender requires flood insurance in connection with the making, increasing, extending or renewing of your loan.
  • If an additional amount of insurance is required as a result of a map revision.
  • If flood insurance is required as a result of a lender determining that a loan, which does not have flood insurance coverage, should be protected by flood insurance. The coverage will be effective upon the completion of an application and the presentment of payment of premium.
  • If an additional amount of insurance is being obtained in connection with the renewal of a policy.
FEMA Federal disaster assistance is not the answer.

Federal disaster assistance is only available if the President declares a disaster. Nine out of 10 disasters in the United States are not declared by the President. Flood insurance pays even if a disaster is not declared.

National Flood Insurance Program - What is the NFIP?

The U.S Congress established the National Flood Insurance Program (NFIP) with the passage of the National Flood Insurance Act of 1968. The NFIP is a federal program enabling property owners in participating communities to purchase insurance as protection against flood losses in exchange for State and community floodplain management regulations that reduce future flood damages.

What's the Cost of a Flood?  (According to FEMA)


Even a few inches of flood water can cause extensive damage to your home.

    Please note: Dollar amounts are hypothetical, based on varying levels

                      of flood damage to the main floor of a fictional 900-square-foot

                      ranch-style home. Replacement, repair, and labor costs will vary

                      by state, home, and market timing.

 click here for a cool interactive answer!


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Representative of top-rated insurance companies: Farmers Insurance Group, Blue Cross, New World Life, Foremost, CNA, United States Liability

Selling fire, homeautos, umbrella, Boats, life, business, commercial auto, earthquake, & flood.   California Insurance Agency directly serving the

entire State Of California and the communities of Alamo, Blackhawk, Danville, Dublin, Pleasanton, San Ramon, and greater SanFrancisco Eastbay

(All of California and zip codes 94506, 94507, 94526, 94566, 94568, 94582, 94583, 95688)