Sacramento Homes May Need Flood Insurance Even in a Drought!

Sacramento Homes May Need Flood Insurance Even in a Drought!

Patrick Smith Realty has been concerned for the Sacramento homeowners without flood insurance. Flood insurance for your Sacramento home during a drought? These are two things a person would not normally say in the same sentence.

Who would have thought we should consider flood insurance during a drought emergency? But that's exactly what Sacramento homeowners should be thinking about. If a homeowner has been in the Sacramento city area for any length of time, they are probably aware that Sacramento city was known for flooding regularly since its inception.

Yes, the city was built up, raising the level of the streets so that there now is an underground city in Sacramento, but many of the homes still have basements and apartments that are below street level and subject to flooding. Ever wondered why some of those beautiful Sacramento Craftsman bungalows are built at street level, some with just a few steps to the porch, and some have a high porch? The age and location many times determined the height of the porch because of flooding concerns.

Flood Factor is a free online tool created by the nonprofit First Street Foundation that makes it easy for Americans to find their property's risk of flooding, and understand how flood risks are changing because of a changing environment. Flood Factor allows individuals to easily view the models' flood risk information at the property level and provides useful information on potential actions to mitigate flood risk.

What about flood insurance in a drought? Sacramento homeowners probably haven't been thinking about flood insurance with all of the fires, water restrictions, and other drought concerns in California recently. Patrick Smith Realty suggests taking a look at floodfactor.com and chatting with a local insurance professional about the cost of flood insurance for Sacramento homes.

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