{"id":84,"date":"2023-11-17T04:00:00","date_gmt":"2023-11-17T10:00:00","guid":{"rendered":"https:\/\/www.greenfamilyinsurance.com\/blog\/?p=84"},"modified":"2023-11-30T04:11:04","modified_gmt":"2023-11-30T10:11:04","slug":"when-do-homeowners-need-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.greenfamilyinsurance.com\/blog\/when-do-homeowners-need-flood-insurance\/","title":{"rendered":"When Do Homeowners Need Flood Insurance?"},"content":{"rendered":"<p><span style=\"color:#000000\">Flood insurance isn&rsquo;t something that every homeowner in Illinois needs, but it&rsquo;s essential to have the coverage if your house requires it. Standard homeowners&#8217; policies normally don&rsquo;t cover flooding. Here&rsquo;s when homeowners typically need a flood insurance policy.<\/span><\/p>\n<h2><span style=\"color:#000000\">Living in a High-Risk Flood Zone<\/span><\/h2>\n<p><span style=\"color:#000000\">The most obvious time when flood insurance is essential is when you live in an area designated as a high-risk flood zone. These zones are identified by the Federal Emergency Management Agency (FEMA) and are areas where floods occur most often (and often most severely).&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">FEMA publishes maps that show what parts of Illinois are in a high-risk zone. We at Green Family Insurance Inc. can help you check these maps to see if you&rsquo;re in a zone deemed high-risk. If you are in a high-risk zone, certainly consider getting a flood policy.<\/span><\/p>\n<h3><span style=\"color:#000000\">Having a Mortgage from a Federally Regulated Lender<\/span><\/h3>\n<p><span style=\"color:#000000\">If your home is in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you&rsquo;re probably required by law to have flood insurance. This requirement helps protect the investment of both the homeowner and the lender.&nbsp;<\/span><\/p>\n<h3><span style=\"color:#000000\">After Experiencing a Flood<\/span><\/h3>\n<p><span style=\"color:#000000\">Even if you&#8217;re not in a designated high-risk area, your house could still flood. If you&rsquo;ve gone through a minor flood, or if you just want extra protection, flood insurance could help you should a bigger flood ever occur.<\/span><\/p>\n<h3><span style=\"color:#000000\">Green Family Insurance Inc Is Here To Help<\/span><\/h3>\n<p><span style=\"color:#000000\">If you have a house in Illinois, contact us at Green Family Insurance Inc. One of our knowledgeable agents can work with you to assess whether flood insurance is required and get you a policy should you need or want one.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Flood insurance isn&rsquo;t something that every homeowner in Illinois needs, but it&rsquo;s essential to have the coverage if your house requires it. Standard homeowners&#8217; policies normally don&rsquo;t cover flooding. Here&rsquo;s when homeowners typically need a flood insurance policy. Living in a High-Risk Flood Zone The most obvious time when flood insurance is essential is when [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[12,11],"class_list":["post-84","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-green-family-insurance-inc","tag-illinois"],"_links":{"self":[{"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/84","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=84"}],"version-history":[{"count":1,"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/84\/revisions"}],"predecessor-version":[{"id":85,"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/84\/revisions\/85"}],"wp:attachment":[{"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=84"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=84"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greenfamilyinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=84"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}