Do I Need Oklahoma Flood Insurance?

Oklahoma has more miles of shoreline than the Gulf and Atlantic combined. No matter where you live in Oklahoma, you are prone to flooding. Yet less than a quarter of the state has a policy that covers flooding. You don't have to live near water to be at risk for flooding either as we saw in 2019 when the Arkansas River was extremely flooded and caused billions of dollars in damage. So you do not want to risk you and your families health and safety. It is good to get an Oklahoma Flood Insurance Policy now. 

Flood Zones In Oklahoma

You can look through several online resources to see what your risk of flooding in Oklahoma is. The OWRB can help you figure out what risk your specific area is. 

What Does Flood Insurance Cover?

There are a couple of different flood insurance policies in Oklahoma. One is building coverage, the other is personal property. Coverage may vary, so contact your insurance provider to get clarity. 

Building coverage usually means your home and its foundation, plumbing, electrical, appliances, and carpet or flooring. Personal property coverage would be electronics, furniture, clothing, and appliance or flooring not covered in the building plan. 

What Doesn't It Cover?

While most policies do have their caviats, flood insurance is no different. Flood insurance does not cover flooding from rain water intering the home, sewer back ups, or roof leaks. It also does not usually cover temporary living expenses in the event that you can not return to your home while it is being repaired. There is also a waiting period for it to take effect, which is normally 30 days. Meaning you cannot buy your insurance today and be covered for a flood next week. 

Get Peace Of Mind

Contact the Oklahoma Insurance Connection today to get a quote on Oklahoma Flood Insurance for your home and sleep well knowing you are protected in the event of a disaster. Our agents are ready to help you get the coverage you need.