Flood - It could happen to you!

About 25% of flooding in the United States occurs in low risk or “non-flood zone” areas. Floods take place in every state and can affect almost anyone under the right conditions. Homeowners are often surprised to find that their homeowners insurance policy does not include flood coverage and that they need a separate flood insurance policy to protect their home and contents from flood loss.

Flood insurance coverage is available for high risk homes as well as homes that are not in a designated flood zone area. H.B. Springs Co. can offer you a quote regardless of your flood zone. You may be surprised how inexpensive the premiums can be if you are in a “non flood zone”. Below is a table (as of 8/1/15) of limit, deductible and premium combinations for Preferred Risk Rates for which you may qualify. These rates are for primary residents with no basement.



Building Coverage Contents Coverage Deductible Premium
100,000.00 40,000.00 1,000.00 333.00
125,000.00 50,000.00 1,250.00 349.00
150,000.00 60,000.00 1,250.00 371.00
200,000.00 80,000.00 1,250.00 405.00
250,000.00 100,000.00 1,250.00 430.00


We will be glad to help you determine if you are in a designated flood zone or qualify for Preferred Risk flood insurance policy. Please contact our office to discuss your flood coverage, don’t wait until it is too late… call us today!