Come Heck or High Water

The camera focuses on a family enjoying a nice day out on the lake in a small boat. The camera pans out and we discover not a lake and a lovely day for a picnic…but rather, we see submerged roof tops and water cluttered with debris. The helicopter suddenly appears overhead, extends a lift system and raises the family to safety.

Something like this always “happens to someone else”. Watch the video below to see flooding happening to other Nebraskans. This demonstrates that the possibility of floods happening in “land locked”, “drought ridden” Nebraska is not so far fetched.

Have you seen the river between Scottsbluff and Gering lately…….

Although we’ve run information about flood insurance in previous newsletters, with ongoing storms in the Midwest and impending flooding in the headlines, it is more important than ever to revisit frequently asked flood insurance questions with answers provided by the National Flood Insurance Program:

Doesn’t my homeowners/business/farm insurance policy cover flooding?

No. Let’s say that again, NO, flood damage is not typically covered by a homeowners insurance policy. You MUST purchase a separate policy in order to obtain flood insurance.

If my home is flooded, won’t federal disaster assistance pay for my damages?

No. Federal disaster assistance often comes in the form of a low interest loan to help cover flood damage, not compensation for your losses. Even then, loans are only available if the president formally declares a disaster.

Why do I need flood insurance? My community has never been flooded.

Flooding occurs in low-to-moderate risk areas as well as in high-risk areas. Poor drainage systems, rapid accumulation of rainfall, snowmelt, and broken water mains can all result in flood. Properties on a hillside can be damaged by mudflow, a covered peril under the Standard Flood Insurance Policy

Why do I need flood insurance if I live on a hill and will never get flooded?

Floods can occur in any area, although to varying degrees. If you live on a hill or in an area that has never been flooded, your risk may be significantly reduced, but it is not eliminated. Flooding can be caused by heavy rains, melting snow, inadequate drainage systems, failed protective devices such as levees and dams, as well as by tropical storms and hurricanes.

Does flood insurance cover flood damage caused by hurricanes, rivers, or tidal waters?

Yes, a general condition of flood exists if two adjacent properties are affected, one of which is yours. Or, if the flood is confined to your property, the flood water must cover at least two acres.

Is flood damage from wind-driven rain covered?

No. When rain enters through a wind-damaged window or door, or comes through a hole in a wall or roof, the resulting puddles and damage are considered to be windstorm-related, not flood-related. Flood insurance covers overflow of inland or tidal waters and unusual and rapid accumulation or runoff of surface waters from any source. However, the flood must be a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is yours). Although flood insurance specifically excludes wind and hail damage, the good news is that most homeowners insurance provides such coverage.

What is covered in my basement?

Flood insurance covers your home’s/business’ foundation elements and equipment that’s necessary to support the structure (for example: furnace, water heaters, circuit breakers, etc.). Flood insurance does not cover basement improvements, such as finished walls, floors, ceilings or personal belongings that may be kept in a basement.

Please make an informed decision about the flood risks you face before deciding not to purchase flood insurance. You may qualify for a Preferred Risk Policy (a lower-cost flood insurance policy). Flood Insurance cannot be obtained when the flood waters are closing in on your property. DON’T WAIT…

Get more valuable information from or contact our knowledgeable agents at The Writer Agency, LLC 308-436-4202 or


  1. From up here on my hill I can see the river quite well, and it's bad. I'm glad I live way up here, but really feel for those who aren't so lucky when the rains come. Flooding scares me worse than tornados.. crazy, I know.

    Well written Katie 🙂

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