I live in a low-risk flood zone. Do I really need flood insurance? Most likely, yes. It's a good idea to buy flood insurance even if you live in a low or moderate risk area. Almost 25 percent of all flood insurance claims come from areas with low to moderate flood risk. You may qualify for the Preferred Risk Policy (a lower-cost flood insurance policy) that provides contents coverage beginning at $39 per year and building plus contents coverage beginning at $119 a year. If my home is flooded, won't federal disaster assistance pay for my damages? No. Federal disaster assistance often comes in the form of a low interest loan to help cover flood damage, not compensation for your losses. Even then, those loans are only available if the president formally declares a disaster. Free Quote We will provide you with a free no obligation quote for flood insurance. We can email the quote usually with in hours of receiving your information. fill out a short form here... Flood Map $9.95 After receiving your address information we will email a pdf map to you of your flood zone. get started here