You don't need to live by water to be affected by a flood. Rainstorms, melting snow, and inadequate drainage are among the many perils that can cause significant flood damage to your home. And what you may have overlooked, is the fact that flood damage is not covered by your homeowners insurance policy. 
 
Sadly, while the majority of presidentially declared national disasters are flood related, federal disaster assistance is awarded in less than half of flooding incidents - most commonly in the form of a loan that must be repaid with interest. 
 
Put yourself in control! 
 
If your community participates in the National Flood Insurance Program, you can purchase federally-sponsored flood insurance to protect your home for all covered flood losses - even if a federal disaster is not declared. And since flood insurance rates and coverage are mandated by the government, choosing the right agent and insurance company becomes key! 
 
FHG Services, Inc., through partnership with MIC Property and Casualty Insurance Corporation, is offering a "Write Your Own (WYO) Flood Insurance" policy to agents in all of our operating states. If you are an existing FHG policyholder, please contact your independent insurance agent for more information. If you are not yet an FHG policyholder, please visit our agency locator to find an independent agent in your community for more information. 
 
Act now! Flood insurance requires a 30-day waiting period from the date of application and payment. Contact your local agent today to see if your community qualifies for national flood insurance protection.