类别: 洪水保险

Las Vegas, NV might not be the home of many floods but some areas may be in dangerous flood zones. But what exactly are flood zones and how do they affect your insurance policies? We at 澳博app下载 can answer this question to ensure you fee comfortable with the answer.

什么是洪泛区?

Flood zones are a series of connected areas along flood-prone areas that indicate a region’s potential risk of this natural disaster. The Federal Emergency Management Agency, 或联邦应急管理局, creates flood maps that lists areas at a high risk of flood and areas that have minimal risk.

These maps are fairly complex but are used by insurance companies when creating flood insurance packages. 例如, people in high-risk areas are federally mandated to have protection from their insurers. Some individuals may get stipends or some compensation for these payments.

Buying Policies Outside High-Risk Areas

While the federal government doesn’t mandate flood insurance in low-to-moderate risk flood areas, these policies may still be beneficial. After all, low risk is not the same as no risk. Floods can happen just about anywhere, and an insurance policy can help protect your house.

The cost of your policy may vary depending on your flood zone. 例如, some insurance companies may provide lower costs in areas with smaller risks and higher prices in areas with greater risks. That all depends on the insurer and other factors, such as state laws for that region.

购买大洪水保险

Please don’t hesitate to contact us at 澳博app下载 if you need a flood insurance policy for your Las Vegas, NV回家. While most areas of this desert area are not at high risk for flood, that doesn’t mean that a great insurance policy isn’t an excellent option in case one does occur without warning.

When you mention flood insurance to people in Florida or on the coast of the Atlantic, 他们说, “我当然有洪水保险!" You will get the same response from people in the 俄亥俄州 Valley who are close to the Mississippi River or other large bodies of water. But when you ask someone in Las Vegas, 如果他们有洪水保险的话, 答案可能是茫然的凝视.

That’s because they don’t live on the coast and they are not right next to rivers that might overflow their banks at the first sign of rain.  然而, 如果你研究一下澳博app下载的地图, you will find that they are only 30 miles from a large lake known as Lake Mead. 除了, there are a number of other smaller water inlets and streams, 小溪, 还有小水源, when combined with hours of downpours, could end up flooding the Las Vegas area.

从过去吸取教训

Many people have learned from other towns and states that were taken by surprise such as the state of 科罗拉多州 that, in 2013, was covered with a huge flood that took hundreds of lives, 农场动物, and property practically overnight when the Redstone River and other bodies of water converged after a 3-day flood. 

我们是谁?

The professionals at 澳博app下载 realize the insurance is not always something someone wants to add to their budget. But it is necessary to protect you from the unknown. In Las Vegas, NV, 澳博app下载 can handle all of your flood insurance needs. Whether you are a business or personal property owner, it is important to make sure you are covered when that rainy day comes!

For more information, contact 澳博app下载 if you live or work in the Las Vegas, NV area.