Flood Insurance 101: 6 Must-Know Tips for Shawnee Homeowners
Flooding can be a big concern in some areas, but did you know it can happen anywhere—even in Shawnee?
While we don’t have the same risks as coastal areas or floodplain-heavy regions, there are still designated floodplain zones in our local area. That means flood insurance is something every homeowner—whether you’re buying, selling, or already living in your home—should know about.
Here are six must-know tips to help you understand flood insurance and why it matters for you:
1. Flood Insurance Is Separate from Homeowners Insurance
Many people may not realize this, but regular homeowners insurance doesn’t cover flood damage. It might cover fire, theft, and vandalism, but when it comes to flooding, you need a separate flood insurance policy. If you live in a floodplain or an area prone to flooding, this extra coverage is essential—and maybe mandatory.
2. Flood Insurance Covers More Than Just Hurricanes
You might think flood insurance is only needed if you live near the coast or in a hurricane zone, but that’s not the case. Heavy rain, poor drainage, and even melting snow can cause floods. Even if you don’t live in a high-risk area, flooding can still occur—and flood insurance can help protect you from the financial fallout.
3. It Can Save You from a Financial Disaster
Flood damage can be incredibly costly to repair—often tens of thousands of dollars. Without flood insurance, you could be left footing the bill for a disaster that’s completely out of your control. It’s a small price to pay for peace of mind and the financial protection you’ll get in the event of a flood.
4. Flood Insurance Is Available for Low-Risk Areas Too
Just because you live in a moderate- or low-risk flood zone doesn’t mean you’re off the hook. Flood insurance is available to everyone—whether you’re in a high-risk area or not. Even if your property isn’t required to have flood insurance, it’s still worth considering, especially with unexpected weather patterns.
5. Lenders Might Require It for Homes in Flood Zones
If you’re buying a home in a designated floodplain, your lender will most likely require flood insurance as part of your mortgage. This ensures your property—in which they have a vested interest—is protected. But even if you’re not in a floodplain, it still might be a good idea to consider adding flood insurance for your peace of mind. Talk to your local insurance agent to weigh the risks and options.
6. You Can Get Flood Insurance Through FEMA or Private Insurers
Flood insurance can be purchased through the National Flood Insurance Program (NFIP), which is managed by FEMA, or through private insurance companies. Private policies can sometimes offer more coverage than the standard FEMA options, so it’s worth comparing the two to make sure you’re getting the best deal for your home.
A REALTOR® Who’s Got Your Back
As a REALTOR® who has served for years in advocacy roles at all three levels of the REALTOR® associations, I understand how important it is to protect your home. In 2025, I’m entering my third year on the Federal Financing and Housing Policy Committee, where NAR continues to advocate tirelessly for the National Flood Insurance Program (NFIP). In fact, just this past November, NAR successfully pushed for temporary funding for the NFIP, ensuring that homeowners like you remain protected.
Why Does This Matter in Shawnee?
Flood insurance might not be at the top of your mind when buying or selling a home, but it’s something you shouldn’t overlook. Shawnee has areas designated in floodplain zones, and while flooding isn’t as common here as in other parts of the country, it can still happen. Protecting your home with flood insurance ensures you’re covered if the unexpected occurs.
If you’re interested in learning more, I’ve included a link to a Consumer Guide to Flood Insurance from the National Association of REALTORS® below. It’s a helpful resource that breaks down all the details so you can make an informed decision about your coverage.
DOWNLOAD THE CONSUMER GUIDEAs always, if you have any questions or need assistance navigating flood insurance for your home, I’m here to help. Because when it comes to your home, I want to make sure you’re fully protected—no matter what comes your way.