When disaster strikes the size of the disaster makes it tough to appreciate the devastation it visits on renter or an individual homeowner. Nobody wants to awaken after a disaster and without insurance. In the short term insurance from natural disasters can be a really simple thing and it feels like a homeowner’s policy should cover against natural disasters. While that is true of wildfires and tornadoes (at least with most policies in the U.S.), damage from earthquakes, landslides, and floods isn’t covered. If you reside in a place that’s at risk for any of the disasters that are above flood or earthquake insurance is vital.
1-Go into the National Flood Insurance Program’s website.
Situated at http://www.floodsmart.gov, the National Flood Insurance Program is the place to begin your hunt for flood insurance from the U.S.. There you determine the chance of flooding in your area can learn about flood insurance in general, and find.
2- Determine the amount of risk locally.
You can learn what the risk profile for your house is right on the homepage of floodsmart.gov. All you’ve got to do is enter your address–it will let you know the degree of risk for your premium and your speech. 
- If you reside in a high-risk place, it means there is at least a 25% likelihood of a flood occurring throughout the life of a thirty year mortgage. If you have a mortgage and reside in a high risk area, flood insurance is mandatory.
- Though mortgagors in lower risk areas aren’t required to buy flood insurance, flood damage from these areas represents over 20 percent of all claims and 30 percent of all disaster aid.
- If you want to look at a map of this flood risk in your region, visit https://msc.fema.gov/portal and enter in your speech.
3- be sure to know what is covered.
There are two types of flood insurance, contents insurance and structural insurance. Structures are guaranteed up to $250,000 and contents are insured up to $100,000. 
Structural insurance covers the true home itself, for example, foundation, walls, roof, heavy appliances, flooring, plumbing and electrical systems, and HVAC systems.
Contents insurance covers what’s inside the home, including your personal belongings, washers and dryers, art around $2,500, window AC units, dishwashers, and microwaves.
4- Select a reasonable deductible.
The standard insurance is $ 1,000 for houses that are older and $500 for houses. That applies to the contents of the home’s policy and the policy on the structure. You may select a higher deductible (up to $5,000) in an attempt to decrease your monthly payment. Remember there is a higher deductiblesaving you money in the sense for paying less of you getting more. Deductible does is obligate you to pay out of pocket when tragedy strikes. 
If you are tempted to choose a larger deductible, think long and hard on it. The flood insurance claim is in case of a disaster, can be a lot higher, and $ 30,000. Your house might be destroied by A flood, but it can devastate your region. Your lender was destroyed along with your own home and if you are out of work, paying the additional $4,500 might be more challenging than it sounds.
Making alterations to the deductible is the principal way people influence their monthly flood insurance payments. The National Flood Insurance Program otherwise determines premiums.
5- Retrofit your dwelling.
There are and a lot of them will decrease your premium. Some of these may be pricey, so they may not pay for years for themselves. You might find it is worthwhile to go and get the renovations. They’ll save you rather than needing to go through the trouble of fixing damage can be it’s own reward. 
A number of those renovations include elevating your house, bettering your furnace or your AC unit, moving sockets higher up on the walls, and transferring your circuit breaker into a higher floor.
Should you lift your house, be certain that you find the elevation certified. Elevation certificates can be bought from land surveyors or architects in your area. To discover a surveyor, visit your state association of surveyors’ web site and find one. 
6- Talk to an agent.
The National Flood Insurance program has a directory of agents. So as to buy a policy visit Insurance Company and put in your address talk with an agent close to you. 
7- Consider extra flood insurance.
Flood insurance beyond what is available through the National Flood Insurance Program is equally pricey and difficult to come by (envision that a premium of $12,000 annually for 2.5 million in coverage). It is available for purchase on the market from insurers. Some of the insurers offering flood insurance policy include Fireman’s Fund AIG, and Lloyd’s of London.