Do I Need Flood Insurance in Oklahoma City?

Imagine this: It's a warm summer evening in Oklahoma City, and you're sitting on your porch, enjoying the gentle breeze after a long day. Suddenly, the sky darkens, and a heavy downpour begins. At first, it's nothing unusual—just another rainy night.

​But as the hours pass, the rain doesn't let up. It intensifies, turning your quiet street into a river. You watch as the flood waters rise, inching closer to your home, and you realize that this is more than just a passing storm. This is a flood, and it's coming for your property.

The Silent Threat: Floods in Oklahoma

Floods might not seem as dramatic as tornadoes that affect Oklahoma, but they pack a punch. In Oklahoma, we've seen how quickly heavy rainfall can turn serene streams into raging torrents, causing significant damage to homes and businesses.

​Yet, many people in our state overlook the importance of flood insurance. Here are some reasons why this coverage is more important than you might think:

1. Historical Flooding: ​Oklahoma has a history of flooding events that have caused extensive damage. From the Red River to the Arkansas River, the state has seen its fair share of flooding disasters.
2. Flood Maps and High-Risk Areas: Flood maps indicate that several areas in and around Oklahoma City are high-risk areas for flooding. However, even if your home isn't in a high-risk zone, it doesn't mean you're safe from flood damage.
3. Standard Homeowners Insurance Policy Doesn't Cover Flood Damage: A big shocker for many homeowners is discovering that their standard homeowners insurance policy doesn’t cover damage from floods. This gap can leave you high and dry (or rather, wet and stranded) when the waters start to rise.
4. Cost of Repairs: Water damage from flooding can be incredibly costly. From ruined flooring and walls to damaged electrical systems and furniture, the expenses add up quickly. Without flood insurance, you're left to foot the bill yourself.

Why People Skip Flood Insurance

Despite the obvious benefits, many Oklahomans still opt out of flood insurance. Let's look at some common reasons why and debunk a few myths along the way:

1. "I'm Not in a High-Risk Area": Just because your home isn't in a designated high-risk flood zone doesn’t mean you’re safe. In fact, about 25% of all flood insurance claims come from low-to-moderate risk areas. Water doesn't care about zoning maps!
2. Cost Concerns: Sure, adding another insurance policy can seem like a financial burden. However, when you compare the relatively low cost of flood insurance premiums to the potential expense of repairing flood damage, it’s a no-brainer. Plus, Oklahoma Insurance Professionals can help you find a policy that fits your budget.
3. Misunderstanding the Risk: Floods can happen anytime, anywhere. Whether it's from heavy rainfall, clogged drainage systems, or sudden snowmelt, the risk of flooding exists. Educating yourself about these risks can make a huge difference in your decision-making process.
4. Believing Myths: Some folks think that federal disaster aid will cover their losses. While it can help, this aid is often in the form of low-interest loans that must be repaid, and it typically isn't enough to cover all damages. Federal flood insurance provides a much more comprehensive safety net.

Why You Should Consider Flood Insurance

Now that we've tackled the why-nots, let's focus on why you should make the smart move to get flood insurance.

1. Peace of Mind: Knowing you’re covered can significantly reduce the stress and anxiety that comes with severe weather. Instead of worrying about the "what ifs," you can focus on keeping your family safe.
2. Quick Recovery: Flood insurance ensures you have the financial resources to start repairs immediately. This can make a huge difference in getting your life back to normal after a flood.
3. Protect Your Savings: Without insurance, you'd have to dip into your savings or take out loans to cover flood damage. Flood insurance protects your financial health by covering these costs.
4. It's More Affordable Than You Think: Many people overestimate the cost of flood insurance. With the help of an independent agency like Oklahoma Insurance Professionals, you can find a policy that provides great coverage without breaking the bank.

Why Choose Oklahoma Insurance Professionals?

At Oklahoma Insurance Professionals, we understand that navigating the world of insurance can be overwhelming. That's why we're here to help you every step of the way. As an independent agency, we have the flexibility to shop around and find the best coverage options for your specific needs. Here’s how we make the process smoother for you:

1. Personalized Service: We take the time to understand your unique situation and tailor our recommendations accordingly. Whether you live in Oklahoma City or the surrounding areas, we’ve got you covered.
2. Expert Advice: Our team is well-versed in the ins and outs of flood insurance. We stay updated on the latest changes and can help you understand the nuances of your policy.
3. Budget-Friendly Options: We know that cost is a major factor in any insurance decision. We work with multiple carriers to find a policy that fits your budget without compromising on coverage.
4. Local Expertise: As fellow Oklahomans, we know the specific risks and challenges our community faces. This local knowledge helps us provide more relevant and effective insurance solutions.

Don’t let misconceptions or cost concerns stop you from getting the protection you need. Flood insurance is a smart investment in your home and your peace of mind. And remember, at Oklahoma Insurance Professionals, we’re here to make the process as smooth and affordable as possible.​

At Oklahoma Insurance Professionals, we offer advice to property owners on the best insurance options available, whether home insurance, auto insurance, commercial insurance, and even life insurance. Our goal is to ensure that you have the right flood insurance policies to protect your home and financial well-being.
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Give us a call today, and let’s get you covered. Because when the waters rise, you’ll be glad you did.

get flood insurance today!

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​