At Barber Insurance, we know that many properties are vulnerable to flooding, even if they aren’t located near rivers or lakes. Flooding isn't just a risk for homes near water. In fact, from 2013 to 2023, one-third of National Flood Insurance Program (NFIP) claims came from areas outside of designated high-risk flood zones. Here in Sonoma County, with our complex landscape of valleys and waterways, the threat of flooding has only increased in recent years due to extreme weather patterns—a trend we’re seeing across the country. Recent flooding events from Hurricane Helene, while far from our coastline, remind us that global weather patterns are shifting, and it’s no longer just about living near the ocean or large bodies of water.
As our local creeks and rivers—like the Russian River—swell from heavy rain and runoff, the risk of flooding rises, even in areas not typically associated with flood concerns. It’s important to protect the life you’ve built by considering flood insurance, especially as extreme weather becomes more unpredictable.
What is Considered a Flood?
The NFIP defines a flood as:
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A temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties (at least one of which is yours) from:
- Overflow of inland or tidal waters,
- Unusual and rapid accumulation or runoff of surface waters from any source,
- Mudflow.*
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Collapse or subsidence of land along the shore of a lake or similar body of water due to erosion or undermining caused by waves or currents that exceed normal levels and result in flooding as defined above.
Note: Mudflow refers to flowing mud that can happen when soil is carried by water. It’s different from landslides or slope failures.
Why Purchase Flood Insurance?
Many homeowners don’t realize until it’s too late that their standard home insurance policy doesn’t cover flood damage. Unfortunately, this means that families can be left with expensive repairs and no financial protection after a flood. This is where NFIP flood insurance steps in, offering a separate policy that protects your most valuable asset—your home or business.
Even if you live in an area with low to moderate flood risk, it’s worth reviewing your options. Given recent weather events and increasing rainfall intensity, many regions that once felt secure are now reconsidering their flood preparedness.
Did you know? If your property is in a designated Special Flood Hazard Area (SFHA), your mortgage lender may require flood insurance before you can close on your loan.
NFIP Policy Details
Building Coverage: NFIP building coverage typically includes items such as:
- The building itself and its foundation
- Central air conditioners
- Electrical and plumbing systems
- Permanently installed carpets over unfinished floors
- Refrigerators, ovens, and stoves
- Furnaces and radiators
For a complete list of covered items, check your policy or contact us at Barber Insurance.
Contents Coverage: Whether you own or rent, it’s essential to consider contents coverage. This part of your flood insurance policy can help protect your personal belongings, including:
- Furniture, electronics, and clothing
- Washers, dryers, and freezers (including the food inside)
- Portable microwaves and dishwashers
- Tenant-made improvements (up to 10% of the liability limit)
When Should You Purchase Flood Insurance?
You can purchase flood insurance at any time, but keep in mind that most policies come with a 30-day waiting period before they take effect. There are a few exceptions:
- If you’re purchasing or renewing a loan on your property, flood coverage takes effect immediately after the loan closes.
- If your property was recently affected by changes in the flood map, talk to us about your options.
- If your home is in an area recently affected by wildfire, the waiting period may be waived for flood coverage.
With unpredictable weather becoming the new norm, it’s critical to plan ahead and not wait until a storm is already on the horizon. NFIP policies don’t cover damages caused by flooding that occurs before your policy is active, and you cannot increase coverage once a flood has begun. Start your flood insurance coverage today to ensure you’re protected when you need it most.
At Barber Insurance, we live and work in Sonoma County, just like you. We understand the local landscape and the unique risks we face. Whether it’s the winding Russian River or unexpected rainstorms, we’re here to help you navigate your flood insurance options and keep your home protected. Let’s make sure you’re covered before the next storm hits.