Additional Flood Information

Flood Basics

Myth	Fact
My homeowner’s policy will cover any flood damage.	Not all homeowner’s policies cover flood damage. Check your policy and/or with your insurance agent. Flood insurance can also be purchased from FEMA.
It has never flooded here, so it never will.	Floods are caused by weather conditions and are unpredictable. Flooding can occur anywhere under the right conditions.
There was a flood problem, but it has been fixed.	Although some flooding issues can be mitigated it is very difficult to fix a flooding problem.
If flooding was a problem, someone would have told us. That’s why we pay taxes.	Check with Polk County Floodplain Management (863) 534-6765 to find out if an area has flooded in the past or to determine if you are in a Special Flood Hazard Area.
It’s only water. It’s no big deal to be flooded.	Even a few inches of water can bring thousands of dollars in repair and restoration costs.
We just had a 100-year flood, so my family will be safe from future flood for the rest of their lives.	The 100-year flood has a 1 percent chance of occurring in any given year. Statistically there is more than a 1 in 4 chance of this type of flood occurring during a 30-year mortgage, however they can occur much more frequently.