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Is Your Business at Risk For Flooding?

There’s one decision that every business owner ─ regardless of the type of business they own ─ needs to make each year: how much flood insurance should be purchased based on the potential that their business will be damaged by a flood.

If history is any guide, thousands of business owners stand to be impacted by flooding every year. Beyond the physical damage, a flood can do to a building, a flood can also ruin inventory, contents and important documents located in the building during the time of a loss.

Experiencing a flood doesn’t have to mean the end of your business ─ being well-prepared and understanding your flood risk can help lessen the impact. ​

While every area in the U.S. stands the chance of being flooded, coastal cities are still at serious risk of the devastating effects of flooding.

Coastal Cities Still in the Crosshairs
Though there isn’t a single state that’s not at risk for flooding, the potential for flooding along the eastern and southern coastlines is on the rise due to increasing water levels.  Cities like  Miami, New Orleans, New York and Tampa each face an increased risk in the coming years for a flood that could cost some local economies $15 billion or more.

“We see it all the time, business owners that understand their exposure to flooding and purchase flood insurance are better prepared if a flood were to happen.  If a business should experience a flood loss, we find that those with flood insurance are able to recover quicker and open their doors once again,” commented Cassie Masone, Vice President of Flood Operations at Selective.

FEMA Zip Code Tool
The Federal Emergency Management Agency has a web-based tool that allows business owners to determine their risk for flooding. These results can help business owners determine the proper amount of coverage to purchase. Read More

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