Despite being the nation's number one natural disaster, statistics continue to
show that most people ignore the risks associated with flooding and do not buy
flood insurance.
Out of 1.3 million Arkansas
households and businesses, only 21,283 have purchased flood insurance policies
through the National Flood Insurance Program (NFIP). That's only 2 percent. Meanwhile, reports show that
in the last 12 years, Arkansas has received 15 major disaster declarations that
involved flooding.
Officials with the Federal
Emergency Management Agency (FEMA) in Denton, Texas, the regional office that
oversees Arkansas, Louisiana, New Mexico, Oklahoma and Texas, point to several
reasons for a lack of participation in NFIP.
"Many people assume that
their homeowners' insurance covers floods, but it usually doesn't," said FEMA
Region 6 Regional Administrator Tony Russell. "Others think that if they don't
live in a flood zone then they don't have to buy flood insurance or simply can't
because it's not offered; both assumptions are inaccurate."
Other
Myths:
·
Myth:
Only homeowners can purchase flood
insurance.
The
truth is anyone in NFIP-participating communities can purchase flood insurance,
including business owners, and business and residential
renters.
·
Myth:
People can't buy flood insurance if they
are located in a high flood risk area.
Anyone
can buy flood insurance no matter where they live, as long as the community
participates in the NFIP.
·
Myth:
People can't buy flood insurance if their
property has been flooded before.
People
are eligible to purchase a flood insurance policy after a flood, as long as the
community is participating in the NFIP.
·
Myth:
People can't buy flood insurance
immediately before or during a flood.
You
can purchase flood insurance any time. There is usually a 30-day waiting period
before the policy is effective.
In an effort to bridge the
gap that exists between the number one natural hazard and the low percentage of
flood insurance policies, FEMA is urging Arkansans to buy flood insurance now
before the next flood hits. For more information on flooding and flood
insurance, visit www.floodsmart.gov.
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