Wisconsin Flood Insurance Information

Even though flood insurance is relatively inexpensive,
most 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 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. Wisconsin flood
insurance is also available to renters, condominium
owners, and co-op owners.

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.

The two primary types of Wisconsin 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. Wisconsin 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 Wisconsin flood insurance replacement value
policy will pay only the replacement value up to the coverage limit. For
example, if rebuilding your home will cost $400,000, but you only
purchased $300,000 in coverage, your insurance policy will pay you only
$300,000.

Click on the link below to fill out a secure quote request form for a
Wisconsin Flood Insurance policy that will provide excellent personal
insurance coverage at an affordable cost. Or you can speak with our
Wisconsin Flood Insurance specialist at (920) 982-3048 to discuss the
policy features in more detail.

Click here to fill out a

Wisconsin Flood Insurance

policy quote request form

We are your local Waupaca and Outagamie County insurance agency,
offering affordable Wisconsin flood insurance policy premiums to
residents of the following cities and counties: New London, Appleton,
Waupaca, Northport, Weyauwega, Shiocton, Manawa, Bear Creek,
Hortonville, Fremont, Medina, Mackville, Greenville, Larsen, Winchester,
Zittau, Neenah, Menasha, Kimberly, Holland, Kaukauna, Wrightstown,
Little Chute, Freedom, Black Creek, Oneida, Howard, Allouez,
Ashwaubenon, De Pere, Bellevue, Anston, Flintville, Pulaski, Suamico,
Sobieski, Angelica, Zachow, Sampson, Shawano, Bonduel, Krakow,
Seymour, Nichols, Navarino, Belle Plaine, Embarrass, Pella, Caroline,
Leopolis, Marion, Clintonville, Split Rock, Thornton, Tigerton, Big Falls,
Symco, Royalton, Ogdensburg, King, Scandinavia, Iola, Amherst,
Tustin, West Bloomfield, Pine River, Berlin, Plover, Stevens Point,
Winnebago, Oshkosh, Winneconne, Borth, Omro, Sheboygan,
Manitowoc, Fond du Lac, Wausau, Shawano County, Winnebago
County, Calumet County, and Waushara County, WI.

Wisconsin Flood Perils Include:

Unusual & rapid accumulation of runoff or surface
waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

The washing away, collapse, or subsiding of land along
the shoreline due to erosion or undermining of waves or
currents exceeding the cyclical levels

Sewer backup caused by flooding

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.

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