I do not live in a flood zone.

Everyone lives in a flood zone – it is just a question of whether you live in a low to moderate or high risk area. While flood insurance is required in high risk areas, about 25% of all flood insurance claims are from low to moderate risk areas.

My area has never been flooded.

The fact that a flood has not occurred recently doesn't mean one has not happened in the past or that one will not happen in the future. Flood history is just one element used in determining flood risk. Other factors include your community's rainfall and river flow data, topography, wind velocity, and building development (existing and planned).

I already have homeowners insurance.

Most homeowners insurance does not cover floods. It does, however, cover fires. Now consider this: during a 30-year mortgage, you have about a 10.5% chance of experiencing a fire…and a 26% chance of experiencing a flood. That's about a 3 times greater chance for a flood than a fire!

We are an AZ certified Flood Insurance specialist! Contact us for any questions. 480-986-4400. www.cook-insurance.com