Pennsylvania Flood Insurance

Pennsylvania Flood Insurance Information

Even though flood insurance is relatively inexpensive, most Pennsylvania
homeowners do not choose to purchase the insurance protection available.
According to the Federal Insurance Administration, less than one-quarter of
the homes in areas most vulnerable are insured against flood loss. In those
areas, flooding is 24 times more likely to occur than a fire during the
course of a typical 30 year mortgage.

A standard Pennsylvania homeowners insurance policy will not cover
damages caused by flooding. You must have flood insurance from an insurer
that writes for the National Flood Insurance Program. If your community
participates in a floodplain management program, you should be eligible to
buy the coverage no matter if your flood risk is low, medium or high.
Residents of "coastal barrier areas" and communities that do not participate
in floodplain management programs may have trouble finding flood insurance
coverage. Pennsylvania flood insurance is also available to renters,
condominium owners, and co-op owners.

Flood Perils Include:

A general and temporary condition of partial or complete inundation of
two or more acres of normally dry land area or of two or more
properties at least one of which is yours from:

Collapse or subsidence of land along the shore of a lake or similar body
of water as a result of erosion or undermining caused by waves or
currents of water exceeding anticipated cyclical levels that result in flood
as defined above

Unusual & rapid accumulation of runoff or surface waters from any
source that result in a flood as defined above

Overflow of inland or tidal waters that result in a flood as defined above

Mudflow defined as a river of liquid and flowing mud on the surfaces of
normally dry land areas, as when earth is carried by a current of water that
result in a flood as defined above

Outside of fire, flooding is the most widespread natural disaster. According
to the National Flood Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural area, at least 2 acres
must be submerged.

Click here to fill out a

Pennsylvania Flood Insurance

policy quote request form

We are a Bristol, PA insurance agency, offering lower Pennsylvania flood insurance policy
premiums in the following towns, cities and counties in Pennsylvania: Bridgewater, Croydon,
Bensalem, Nottingham, Edgely, Newportville, West Bristol, Strafford, Devon, Berwyn, Port
Kennedy, Newtown Square, Gradyville, Cheyney, Concordville, Narberth, Milltown,
Westtown, Trainer, Marcus Hook, West Chester, Lancaster, York, Reading, Bethlehem,
Pottstown, Coatesville, Kulpsville, Warminster, Montgomeryville, Levittown, Valley Forge,
Malvern, Green Tree, Paoli, Devault, Chatwood, Goshenville, Sugartown, Glenloch, Chester
Springs, Audubon, Eagleville, Evansburg, Worcester, Blue Bell, Center Square, Fort
Washington, Doylestown, Chalfort, Quakertown, Perkasie, Sellersville, Soudertown, Willow
Grove, Warrington, Morrisville, Ambler, Lower Gwynedd, Washington Crossing, New Hope,
Richboro, Feasterville, Southampton, Langhorne, Holland, Newtown, Yardley, Philadelphia,
Emmanus, Hellertown, Whitehall, Cetronia, East Texas, Lanark, Dorneyville, Wagnersville,
Catasauqua, Walbert, Farmersville, Stiles, Friedensville, Mechanicsville, Hanover, North
Catasauqua, Stroudsburg, King of Prussia, Springfield, Woodlyn, Chester, Norwood, Ridley
Park, Prospect Park, Folcroft, Darby, Swarthmore, Drexel Hill, Rutledge, Yeadon, Upper
Darby, Secane, Milmont Park, Garden City, Wallingford, Morton, Aldan, Primos, Pilgrim
Gardens, Colwyn, Lester, Essington, Eddystone, Landsdowne, Fernwood, Milbourne,
Havertown, Broomall, Penn Wynne, Merion Station, Wynnewood, Haverford, Penn Valley,
Bala-Cynwyd, Ardmore, Rosemont, Overbrook, Belmont Hills, Villanova, Rebel Hill, Gulph
Mills, Gladwyne, Conshohocken, Kings Manor, Swedeland, Swedesburg, Bridgeport,
Norristown, Lafayette Hill, Plymouth Meeting, Erdenheim, Oreland, Flourtown, Ardsley, North
Hills, West Conshohocken, La Mott, Cheltenham, Melrose Park, Elkins Park, Glenside,
Wyncote, Roslyn, Abington, Huntingdon Valley, Rydal, Meadowbrook, Jenkintown,
Hollywood, Rockledge, Somerton, Bustleton, Torresdale, Holmesburg, Tacony, Kensington,
Feltonville, Frankford, Olney, Andalusia, Cornwells Heights, Bucks County, Philadelphia
County, Delaware County, and Montgomery County, PA. We also offer lower cost
Pennsylvania flood insurance premium rates throughout the Keystone state, including in
Reading, Lancaster, Allentown, York, and Bethlehem, PA.

The two primary types of Pennsylvania Flood Insurance Policies are listed below.

Actual Cash Value Policy

The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.

Commercial and apartment buildings will be covered only for actual cash value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Pennsylvania
flood insurance replacement value policy will pay only the replacement value up to
the coverage limit providing the following conditions are met:

1. the insured building is a single-family dwelling

2. the insured dwelling is your primary residence, meaning you live there at
least 80% of the year

3. the insured dwelling coverage is at least 80% of the current full
replacement cost of the dwelling, or the dwelling limit is the maximum
allowed for the dwelling under the current NFIP guidelines

For example, if rebuilding your home will cost $250,000, but you only purchased
$200,000 in coverage, your insurance policy will pay you only $200,000.

Pennsylvania has special flood insurance concerns. Be prepared! Click on the
link below to fill out a secure quote request form for a Pennsylvania Flood
Insurance policy that will provide excellent insurance coverage for your home at
an affordable cost. Or you can speak with our Pennsylvania Flood Insurance
specialist at (215) 788-3100 to discuss the policy features in more detail.

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.