Skip to content
Click to Call
Insurance Solutions of Omaha

17055 Frances St
Suite 101
Omaha, NE 68130

Get Directions

Insurance Solutions of Omaha Blog

What homes require flood insurance?

Residing in Omaha, NE carries a certain risk of flooding, typically caused by heavy rains that overtop levees. That might sound like coastal Louisiana, but in 2019 heavy rains washed out roads in Omaha and damaged homes. That spring, the state faced more than $1.3 billion in flood damage. Insurance Solutions LLC in Omaha, NE can help you navigate all your insurance needs, including flood coverage.

What homes require flood insurance?

Inland Nebraska carries some of the same risks as coastal areas, and for this reason, certain homes in Omaha and the surrounding areas require flood insurance under federal law. Insurance Solutions LLC wants you to understand when the federal government requires you to ensure your home against flood and when it simply makes a good idea to do so.

When You Purchase a Home

The law requires the seller to reveal that the home requires flood insurance. The Realtor typically includes this information in the listing along with the estimated cost of homeowners’ insurance.

If it doesn’t appear there, you’ll find the information in the home sales document. You should read these documents in detail before signing them so you know of any requirements. You can also look it up at your local county or city planning office.

When FEMA Re-draws Its Maps

The Federal Emergency Management Agency (FEMA) constantly researches flood areas in the US and draws and redraws its flood maps. By consistently updating its flood information, it improves the safety of the residents of an area by updating the maps and apprising them of the need to institute better flood preparations.

Flood Damages Your Home

When your home incurs flood damage, if you weren’t already required to carry the insurance, that requirement may get added. You might also have to repair your home under certain conditions, such as raising it above the highest flood level. This could mean raising it on stilts, such as the beach houses on the east coast.

Give Us A Call

Contact Insurance Solutions LLC in Omaha, NE for more information on flood insurance. Let us help you obtain the coverage your home needs to remain legal and to cover potential losses in the case of a flood.

  • AllState
  • Battle Creek Mutual
  • Columbia
  • Donegal
  • Encompass
  • Farmer's Mutual of Nebraska
  • Foremost
  • IMT
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • The Hartford
  • Travelers

Insurance Quotes
as easy as

  • 1

Getting Sarted

Begin your quote by clicking on the get started button below.

  • 2

Providing Information

Fill in the form to help us provide you with the best possible quote.

  • 3

Acquiring Your Quote

Our system will evaluate your information and quickly present a quote.

Get to Know Us

Servicing States

  • Nebraska
  • Iowa
  • South Dakota
  • Missouri
  • Kansas