Flooding may not be the first concern that comes to mind when you think of Leesburg, VA, but it is a very real threat. Unfortunately, standard home insurance policies don’t cover damage caused by floods. This is where flood insurance comes in. Academy Insurance Agency explains why you need flood insurance.

Leesburg’s Flood Zone

Leesburg is located in Loudoun County, which is vulnerable to flooding caused by storms, hurricanes, and heavy rainfall. Water levels can rise quickly during severe weather, flooding homes and businesses. In fact, over the past five years, more than 2,500 properties in Loudoun County have filed flood insurance claims.

Protecting Your Investment

Your home is probably one of the most significant investments you will ever make. If you don’t have flood insurance, you face the risk of being unable to repair or rebuild your home if it gets damaged by a flood. This could result in financial ruin, especially if you have a mortgage on your home.

Federal and Private Insurance

You can purchase flood insurance from the federal government’s National Flood Insurance Program (NFIP) or a private insurance provider. NFIP policies are standardized and can be purchased through insurance agents. Alternatively, you can purchase private flood insurance if you need additional coverage or a customized policy. Whatever option you choose, it’s crucial to have flood insurance that fits your needs.

If you own a home or business in Leesburg, VA, protecting it from flood damage is essential. Flood insurance covers damages caused by floods, and it’s never too early to consider getting coverage. For more information about flood insurance, contact Academy Insurance Agency. Our team of experienced insurance experts can help you find the perfect policy to fit your needs at an affordable price.