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FEMA cautions residents to make sure they have flood insurance

Flood insurance takes 30 days to go into effect
Posted at 10:35 PM, Dec 04, 2019
and last updated 2019-12-05 02:20:19-05

With fire season in California coming to a close, the Federal Emergency Management Agency (FEMA) is cautioning residents about the dangers of not having flood insurance for your home.

"Most people are focused on the wildfire and not the second disaster which could happen which is the flooding" said Edie Lohnann, a flood insurance specialist for FEMA.

According to the agency, just one inch of water in an average-sized home can cause more than $25,000 in damage.

Lohnann says she typically advises residents to make sure they're insured before rainy season typically begins in October.

Cindy Trillas, an account executive at Farmers Insurance in Grover Beach says a non-flood zone resident should not expect to pay too much.

"$450 a year with a 30 day waiting period and the deductible is usually $1,250" said Trillas.

But if you are in a high flood zone, getting insured will cost you a lot more.

"It can go from two, three, four, or five thousand dollars and then you've got to get elevation certificates and that's another $1,000 probably and the deductible is usually five or 10 thousand dollars cause you want to get the cost down to the premium, so it just depends on your flood zone" added Trillas.

If you want to learn more about flood insurance and how it works, click here.