Learn how to find affordable flood insurance in Jackson County.
Jackson County borders Alabama in the northwestern portion of Florida. Locals enjoy Jackson for the area’s natural splendor, like caves and winding rivers. While attractions like the Chipola River make Jackson unique, these natural water sources can also be a catalyst for flooding when hurricanes happen.
Jackson County residents experienced flooding in September of 2020 when Hurricane Sally hit. The historical flood level for Jackson’s Chipola River is 27 feet. The river rose to a dangerously high level of 25 feet during Hurricane Sally. Jackson’s low lying areas are especially vulnerable to flooding. Flooding threats continue even after a hurricane like Sally passes. A local Jackson news station reported that a car floated away in the standing water left from the hurricane.
That’s one of the many reasons flood insurance is a wise choice if you live in Jackson County.
While you may have thought the National Flood Insurance Program is the only option for flood insurance in Florida, we’re happy to say you have another solution: us! A recent study shows that 77 percent of Florida homes can get cheaper flood coverage if they work with private providers instead of the NFIP.
We’re one of those private providers that can help you save money. In Jackson County, our average flood insurance premium is $171 a year. That’s $278 cheaper than the NFIP’s average rate for the area: $449 a year.
These are averages. To know exactly what your flood coverage will cost, contact us for a quote.
|Kin Average Premium for Jackson County||NFIP Average Premium for Jackson County|
What impacts flood insurance costs? Namely, it’s how likely an area is to flood, and flooding is all too common throughout Florida. Nearly 20 percent of all Florida counties have experienced 50 or more flood events in the past 50 years. In 30 years, close to 4 million Florida properties will be at risk for flooding.
Both Flood Factor and FEMA flood maps can give you an idea of your home’s flood risk in Jackson County. You’ll notice Jackson County is home to two high-risk flood zones: Zones A and AE. If your home is in either of these zones and you have a federally backed mortgage, you’re required to have flood insurance.
Flood Zone A has a 1 percent annual chance of flooding with no base flood elevation (BFE) determined. Flood Zone AE also has a 1 percent chance of flooding with a determined BFE. An area’s BFE indicates the lowest level you can build property.
Flood insurance protects your home, other structures, and your belongings from water damage caused by storm surges or broken water mains. Homeowners insurance alone won’t cover flood damage. Adding flood coverage as an endorsement on your homeowners policy will.
Our flood coverage is cheaper than the NFIP for about 71 percent of Florida homeowners. In addition to more affordable rates, you get:
Flood preparation doesn’t end with purchasing an insurance policy. Planning ahead can keep you safe and mitigate the damage a flood can cause to your home.
To prepare for a flood, learn about your home’s past, current, and future flood risks; understand which flood zone you’re in; and take steps to minimize your home’s risk of flooding.
You should also create a disaster preparedness plan. Make sure you have emergency supplies, know who to contact in case of a flood, and plan for when you need to shelter in place or evacuate.
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