Do I need flood insurance?

Anywhere at risk of rain is at risk of flood. Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year, according to the National Flood Insurance Program (NFIP). Homeowners and renters policies written through Kentucky Farm Bureau Insurance do not cover flood damage. 

Flood insurance is a great extra layer of protection no matter where you live. If you live in a "high risk" area, you may be required to have flood insurance, but floods can happen anywhere. In fact, more than 20 percent of flood claims come from properties outside the high risk flood zone, according to the NFIP. 

For more valuable information from the NFIP, click here.

Life's Blueprints: A KFB Insurance Blog

Information that will help keep you and your loved ones safe and savvy – whether you’re on the road or in your old Kentucky home.

Why is catalytic converter theft skyrocketing, and what can you do about it?
Why is catalytic converter theft skyrocketing, and what can you do about it?

According to the National Insurance Crime Bureau (NICB), catalytic converter thefts have seen a significant increase across the country since March of 2020, the start of the global COVID-19 pandemic.

Look before you lock: Six tips to prevent child and pet heatstroke
Look before you lock: Six tips to prevent child and pet heatstroke

In 2020, 24 children across the United States died from heatstroke in unattended cars.