WEST SACRAMENTO (CBS13) – You never know when you’re going to need flood insurance. Even if your mortgage lender doesn’t require insurance, this round of storms might have you thinking twice about getting coverage.

But many people have questions about if they need it and how much it costs. We got answers from a local agent.

READ MORE: Hiker Captures Moment She Thought She Might Die on Video, Before Search Crews Rescue Her

We saw the rising waters and sandbags earlier this week. If flood waters get into your home, the cleanup can cost thousands of dollars. And depending on what type of coverage you have, your homeowners insurance may not cover it.

“Water damage is covered under your home insurance. That’s if a pipe breaks or, you know, rain comes through a roof, that’s covered under the home insurance. But flood insurance, they don’t understand that it’s specific coverage,” said Chris Bode, president of RC Boden Insurance.

Even if your mortgage lender doesn’t require flood insurance, it’s a good thing to consider.

“The entire state is a flood zone, and that doesn’t matter where you are: Granite Bay, Natomas, Stockton, Chico — there’s all different kind of levels of flood zones,” said Boden.

READ MORE: Barrage Of Bullets That Hit Stockton Homes Caught On Video

Flood insurance coverage in our area averages about $350 a year, unless you’re in a very high-risk area.

FEMA publishes flood zone maps online or you can call an insurance agent and ask them about your home’s flood risk.

“I would say the majority of people who’ve had claims didn’t think they were going to have a claim, and now they’re dealing with one,” said Boden.

He says a lot of people call around the first major rain, asking about flood insurance, but then don’t get it after hearing it takes 30 days to kick in.

MORE NEWS: Diver Recovers Lost Wedding Ring From American River, Reunites It With Heartbroken Husband

More News Stories
[display-posts category=”news” wrapper=”ul” posts_per_page=”6”]