Do You Need Flood Insurance in Cranberry Township, PA? 

Cranberry Township, PA may not immediately come to mind when thinking of flood-prone areas. Yet, its proximity to streams and low-lying zones makes certain neighborhoods vulnerable to flooding, especially during heavy rains or rapid snowmelt.

Why Standard Home Insurance Isn’t Enough

A common misconception is that homeowners insurance covers flood damage. Water damage from internal issues like burst pipes may be covered, but external flooding, such as from overflowing creeks or flash floods, is excluded. That’s where flood insurance comes in. Policies offered through the National Flood Insurance Program (NFIP) or private insurers can cover both the structure and contents of your home.

Who Should Consider Flood Insurance?

If your home is in a FEMA-designated high-risk flood zone, your mortgage lender may require flood insurance. But even if it’s not mandatory, it’s worth considering. With unpredictable weather patterns and increasing rainfall intensity, even areas considered low-risk aren’t immune to flooding.

Cost vs. Consequence

Flood insurance premiums vary based on location, elevation and coverage type. While it may seem like an unnecessary expense, the financial impact of flood damage can be devastating without coverage. Consider that even an inch of water in your home could cause thousands of dollars in losses.

Learn More

In Cranberry Township, PA, flood insurance isn’t just for those living on the water’s edge. It’s a proactive step toward financially protecting your home and your belongings. Check your flood zone status, assess your risk and consider whether flood insurance is a wise investment for your property. For flood insurance near you, contact Dunton Insurance Agency.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.