SHADY SIDE, MD (WUSA9) - 1) With rare exceptions, homeowner's insurance DOES NOT cover floods.
2) Just because your mortgage company does not require flood insurance DOES NOT mean you don't need it. In fact, 25% of flood victims do not live in typical "flood plain" areas.
3) Flood insurance is backed by the government's National Flood Insurance Program (NFIP) and is sold by special brokers who are frequently not the same as your homeowner's insurance broker.
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