A representative from the Federal Emergency Management Agency 主持网络研讨会 to 德州2021十大正规彩票app经纪人® in December about flood 术语, 洪水事件, 风险信息, and flood-related questions on the Seller’s Disclosure Notice.
的 whole country is a floodplain—but some areas have a higher risk of flooding than others, 吉尔伯特·吉隆说, regional flood 保险 liaison with FEMA. About 80% of homes damaged during Hurricane Harvey did not have flood 保险, 在这些人中, 65%的人不在洪水高风险区. All property owners—not just those in designated flood zones—benefit from learning more about flood risks, 术语, 保险, 和信息披露.
的 Risks Are Bigger Than Many People Realize
Just one inch of flood water can cause more than $25,对一所房屋造成的损失高达1万英镑, and a FEMA grant alone may not deliver the funds needed to rebuild. A FEMA disaster grant is designed to provide food and shelter immediately after a flood, but a flood 保险 claim payment goes much further toward rebuilding your home, 据吉隆说. 例如, the average grant after Hurricane Harvey was $6,000, while the average flood 保险 claim payment was $116,000.
Misunderstanding flood-related terms can lead property owners to underestimate their risk and need for appropriate 保险. FEMA has moved away from the term 100-year flood, as many people thought this meant that a property would flood only once in 100 years. 然而, a home in the 100-year floodplain has a 1% chance of flooding in any given year, which equates to a 26% chance of flooding over the life of a 30-year mortgage, 根据联邦应急管理局. 联邦应急管理局称之为基础洪水. 一个0的洪水.2% chance of occurring (often called a 500-year flood) has a 6% chance of flooding over the course of a 30-year mortgage.
为您和您的客户提供的资源
业主可使用 联邦应急管理局地图服务中心(MSC) to find a flood map of the area including their property and a range of other flood hazard products and tools. 的 国家洪水灾害层 (NFHL)—a database with current flood hazard data—is accessible through the MSC as are Flood Insurance Rate Maps (FIRM), which show flood zones and areas for 保险 rating purposes.
Flood 保险 maps do not predict where floods will happen, Giron says. 公司里没有“无风险”的领域. Everyone lives in an area with some flood risk—it’s just a matter of whether it’s low risk or high risk.