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Should You Purchase Flood Insurance When Living in Atlanta, GA?

Atlanta, Georgia, is a beautiful city with a lot to offer its residents. The weather is mild, and the scenery is lush and green. However, Atlanta is no stranger to natural disasters, including floods.

In fact, Atlanta can experience heavy rainfalls throughout the year, leading to flooding. If you live in Atlanta, you may want to consider purchasing flood insurance.

Why Purchase Flood Insurance When Living in Atlanta, GA?

Flood insurance will protect your home and belongings in the event of a flood. It is important to note that standard homeowners insurance policies do not cover damage caused by floods. While it might cover some water damage, it likely won’t pay for damage caused by a flood.

Here are a number of things to keep in mind when considering flood insurance:

  • Flood insurance is not required by law, but it is required by most mortgage lenders if you live in a high-risk flood zone.
  • It typically takes 30 days after your purchase for a flood insurance policy to go into effect, so it’s important to purchase coverage before a flood occurs.
  • Most standard homeowners insurance policies have a separate deductible for hurricane and wind damage. However, flood insurance typically has its own separate deductible that is much higher.
  • The NFIP (National Flood Insurance Program) is the main flood insurance provider in the United States. If you are in an area with an increased risk of flood and your mortgage lender requires you to have flood insurance, you will probably need to purchase a policy through the NFIP.

Types of Disasters in Atlanta

The most common type of disaster in Atlanta is a hurricane. However, the city can also experience tornadoes, thunderstorms, flash floods, and winter storms.

From 1950 to 2019, there have been 26 named storms that hit within 100 miles of Atlanta. In 2018, Hurricane Michael caused an estimated $25.1 billion in damage in Georgia, making it the most expensive hurricane in state history.

While Atlanta has a low risk of wildfires, the city is not immune to fires caused by lightning strikes or other natural causes. In 2019, an Atlanta house was set on fire when lightning struck a nearby power pole during afternoon thunderstorms. The destruction also caused a power outage in the said house.

This means that if you live in Atlanta, you most likely need water or fire and smoke damage restoration services.

Moreover, Atlanta has an average of 48 days yearly with below freezing points and 2.9 inches of snow per year. The last time the city received a foot of snow was in 2011. While winter storms are not as common as other disasters, you should still be prepared for them. Be sure you have sufficient food and water to last for several days and warm clothing and blankets during a power outage.

In early 2022, a dangerous wind storm with high winds and ice struck the southeastern part of the United States, including Georgia. The devastation caused power outages and traffic accidents.

How to Prepare for Natural Disasters

  • The best way to prepare for any disaster is to have a plan. Think about what you will do in the event of a power outage, road closure, or other emergencies. Your family should know your plan and how to reach you in an emergency.
  • Have an emergency kit ready. This should include food, water, flashlights, and first-aid supplies.
  • Learn the different types of disasters in your area and how to stay safe during each one. Listen to or watch local news and weather reports to stay updated on conditions.
  • Know the evacuation routes in your neighborhood and plan ahead for where you will go if you need to evacuate your home.
  • If a disaster occurs, follow the instructions of local officials and do not try to return to your house until it is safe to do so.
  • Have a backup plan for communication if your cell phone service is down. This could include a landline telephone, text messaging, or social media.
  • Consider purchasing flood insurance. Keep in mind that most standard homeowners insurance policies do not cover damage caused by floods.
  • Know your local fire department’s emergency contact number, as well as the police, restoration companies, and other government and non-government organizations that help during disasters.
  • Look for reputable restoration companies in Atlanta, GA that can help you with water damage, fire damage, or other repairs after a disaster.

Final Thoughts

While no homeowner wants to think about the possibility of a natural disaster, it is important to be prepared. If you live in Atlanta, GA, you should have a plan in place in case of an emergency. Be sure to stock up on supplies, know your evacuation routes, and stay informed about the weather. And if a disaster occurs, be sure to contact reputable restoration companies to help with any repairs, such as this water restoration in Union City, GA.

Consider purchasing flood insurance if you are in an area in the city with a high risk of flooding.

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