It’s important to know if you are in need of flood insurance, as flooding events are not included in your standard homeowner’s insurance policy. You are not required by law in Scranton, PA to purchase flood insurance, but your lender will require it while you maintain a balance and especially if they are government-backed. 

How do I Know if I Need Flood Insurance? 

In Pennsylvania, the number of flood policies has increased 750% over the past five years with 12,800 properties covered, compared to just 1,500 at the start of this period. It’s also important to note that 40% of all claims from 2014 to 2018 came from homeowners whose properties were not located within high-risk areas. 

Climate change has been responsible for stronger storms that are depositing heavier rain in areas where the soil is not able to absorb it. Your Bartal Insurance representative can help you consult with the FEMA map to determine where your property falls on this resource. 

This will contain topographical data regarding where flooding has occurred and to what extent and frequency. In addition, statistical information will be updated every five years to accommodate changing information. 

People who live in areas where there are wet weather streams or roadside ditches or culverts that overflow dangerously near their homes or where the land does not perk particularly well can be at risk. Also of concern are houses situated close to rivers or creeks that can overflow their banks or people who live at the bottom of hills on city streets where water cannot be moved off the asphalt quickly enough. 

Bartal Insurance Company Can Help You

We specialize in providing our customers with the insurance products and services they need. We welcome you to contact us at Bartal Insurance Company to discuss the specifics of your situation. We serve those in and around Scranton, PA.