3818 Mogadore Rd.
Mogadore, OH  44260
Got Flood Risk? 

Just because you don’t live in the Special Flood Hazard Area or 100-year flood plain, as it is more commonly called, does not mean you are safe from the number one cause of property damage from natural disasters: floods?


Consider these facts:


  • Nearly all insurance policies providing multi-peril property coverage exclude flood damage. This includes most homeowners policies.
  • Just because you have not experienced a flood in the past does not mean you won’t in the future.  Flood risk is not just based on history; it’s also based on a number of factors: rainfall, river-flow and tidal-surge data; topography; flood control measures; and changes due to building and development.
  • It is estimated 40% of all flood losses occur outside the 100-year flood plain, and 99% of those losses are uninsured.
  • The average cost of property damage caused by a flood is $22,000, and it only takes about one foot of water to cause it.
  • For qualifying homes outside the 100-yearflood plain, the flood premium for $20,000 in structure coverage and $8,000 in contents coverage for a home with a basement is $154.
  • Maximum coverage of $250,000 in structure damage and $100,000 in contents coverage for the same house is only $405 per year.  That’s about the cost of two special lattes a week!


Got Risk?


  • Has rainfall been more intense in your area the last few years?
  • Do you downstream from a dam?
  • Do you live close to a river or dam?
  • Do you live in an area protected by a levee?
  • Is your home the lowest on the street?
  • Is your home on flatlands where a heavy rain has no place to drain?
  • Do you live on the coast?
  • Do you live in snow country?
  • Do you live in the desert?


If you answered yes to any of the above, you may have flood risk.  Can you afford a $20,000, $100,000, or $250,000 uninsured loss to your home?  If the answer is no, consider contacting Broderick Insurance to discuss the availability and costs of protecting your home and contents from flood.

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