Who Needs Flood Insurance in California?

Protect Your Home and Business From the Unexpected – Who Needs Flood Insurance in the State of California?

🏠 Homeowners in High-Risk Areas

If your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, flood insurance is required.

✅ Areas near rivers, lakes, or coastlines

✅ Labeled as Zone A or V on FEMA maps

🌦️ Homeowners in Low-to-Moderate Risk Areas

1 in 4 flood claims come from areas outside high-risk zones.

Don’t wait for a surprise storm or snowmelt to cause costly damage!

🛋️ Renters

Your landlord’s insurance doesn’t cover your stuff.

Protect your furniture, electronics, and valuables with an affordable renters flood policy.

🏢 Business Owners

Flooding can destroy equipment and interrupt operations.

Flood insurance covers buildings, inventory, and loss of income—essential for California businesses in flood-prone areas.

🔥 Residents in Wildfire Burn Areas

After wildfires, the risk of flash flooding increases significantly.

Flood insurance is highly recommended for at least 2 years post-wildfire.

🏞️ Near Rivers, Dams, or Levees?

Even strong infrastructure can fail.

Heavy rain, snowmelt, or earthquakes can lead to unexpected flooding.

📌 Bottom Line:

If it can rain, it can flood.

Don’t rely on luck—protect your home and future today.

📞 Contact AnderGray Insurance Services

Free Flood Risk Check & Quote

🌐 www.AnderGray.com

📧 [email protected]

📱 (213) 769-8001