It’s worth considering. Nationally, more than 20% of NFIP flood claims come from properties outside high-risk flood zones. In the Denver metro area, flooding often comes from intense summer thunderstorms that overwhelm storm drains and small creeks, such as Little Dry Creek in Englewood, Cherry Creek, and Bear Creek, and from the South Platte River.
Flood insurance for homes in moderate- to low-risk zones, such as Zone X, is often more affordable than people expect. You can check your flood zone on FEMA’s Flood Map Service Center (msc.fema.gov) or the Colorado Water Conservation Board’s Colorado Hazard Mapping site (coloradohazardmapping.com).
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
Related FAQs
Flood insurance covers direct physical damage caused by flooding to your home's structure and, if you buy it, your belongings. NFIP policies cover up to $250,000 for the building and ...
Flood insurance costs vary widely, from a few hundred dollars a year for many lower-risk homes to several thousand dollars for homes near creeks and rivers. Under FEMA's Risk Rating ...
If your home is in a FEMA high-risk flood zone (a Special Flood Hazard Area) and you have a federally backed mortgage, your lender will require flood insurance. Lenders check ...
