{"id":19,"date":"2017-08-14T02:00:00","date_gmt":"2017-08-14T14:00:00","guid":{"rendered":"https:\/\/www.hamiltonfoxins.com\/blog\/?p=19"},"modified":"2017-08-01T08:57:32","modified_gmt":"2017-08-01T14:57:32","slug":"how-to-know-if-you-need-to-add-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/","title":{"rendered":"How to Know if You Need to Add Flood Insurance"},"content":{"rendered":"<p>Living in the Miami, FL area, you may not be sure if you need flood insurance for your home.&nbsp;Those living in elevated areas in the United States often miss the potential for a flood in their home, which can be disastrous.&nbsp;More than 20% of claims for flood damage happens in a low-risk area.&nbsp;The best plan to assess your need for flood insurance is by learning about the characteristics of your home and property.<\/p>\n<ul>\n<li>Look through your property papers and find the &ldquo;Natural Hazards Disclosures&rdquo; from the inspection.&nbsp;Look for a classification of &ldquo;Zone A&rdquo; or &ldquo;Zone B&rdquo; &ndash; meaning the property is in an area prone to flooding by the Federal Emergency Management Agency.&nbsp;You can also locate this information through the county assessor&rsquo;s office.&nbsp;If your property has either zoning, then you need to add flood insurance.<\/li>\n<li>Inspect your property and identify any areas where water run-off could flow onto the property in a heavy storm.&nbsp;If there are storm drains, check to see if they are blocked.&nbsp;Even if your property is not zoned as a high risk for flooding, it could still be flooded.<\/li>\n<li>A home built downstream from any flowing water has the potential to be flooded in unusually heavy rains and will need flood insurance.<\/li>\n<li>Talk to neighbors to find out the area&rsquo;s flooding history or if there have been any recent wildfires nearby because this can indicate a need for flood insurance.<\/li>\n<\/ul>\n<p><strong>Hamilton Fox &amp; Company Inc.<\/strong><\/p>\n<p>Hamilton Fox &amp; Company Inc. provide&nbsp;flood insurance in the Miami, FL area.&nbsp;After you look at your risk factors for possible flooding to your property, contact a Hamilton Fox agent.&nbsp;The agent will help you to decide if you need to add flood insurance to your homeowner&rsquo;s policy. Our agents are here to answer your questions and make you feel confident about your coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Living in the Miami, FL area, you may not be sure if you need flood insurance for your home.&nbsp;Those living in elevated areas in the United States often miss the potential for a flood in their home, which can be disastrous.&nbsp;More than 20% of claims for flood damage happens in a low-risk area.&nbsp;The best plan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[7,8],"class_list":["post-19","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-hamilton-fox-company-inc-2","tag-miami-fl"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"agentinsure\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Hamilton Fox &amp; Company Inc. |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox &amp; Company Inc.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2017-08-14T14:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2017-08-01T14:57:32+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox &amp; Company Inc.\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#article\",\"name\":\"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox & Company Inc.\",\"headline\":\"How to Know if You Need to Add Flood Insurance\",\"author\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/#organization\"},\"datePublished\":\"2017-08-14T02:00:00-06:00\",\"dateModified\":\"2017-08-01T08:57:32-06:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#webpage\"},\"articleSection\":\"Insurance, Hamilton Fox &amp; Company Inc, Miami FL\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.hamfox.com\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/category\\\/insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#listItem\",\"name\":\"How to Know if You Need to Add Flood Insurance\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#listItem\",\"position\":3,\"name\":\"How to Know if You Need to Add Flood Insurance\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/#organization\",\"name\":\"Blog | Hamilton Fox & Company Inc.\",\"url\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/author\\\/agentinsure\\\/#author\",\"url\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/author\\\/agentinsure\\\/\",\"name\":\"agentinsure\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"agentinsure\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#webpage\",\"url\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/\",\"name\":\"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox & Company Inc.\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/how-to-know-if-you-need-to-add-flood-insurance\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"datePublished\":\"2017-08-14T02:00:00-06:00\",\"dateModified\":\"2017-08-01T08:57:32-06:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/\",\"name\":\"Blog | Hamilton Fox & Company Inc.\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.hamfox.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox & Company Inc.","description":"","canonical_url":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/","robots":"max-snippet:-1, max-image-preview:large, max-video-preview:-1","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#article","name":"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox & Company Inc.","headline":"How to Know if You Need to Add Flood Insurance","author":{"@id":"https:\/\/www.hamfox.com\/blog\/author\/agentinsure\/#author"},"publisher":{"@id":"https:\/\/www.hamfox.com\/blog\/#organization"},"datePublished":"2017-08-14T02:00:00-06:00","dateModified":"2017-08-01T08:57:32-06:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#webpage"},"isPartOf":{"@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#webpage"},"articleSection":"Insurance, Hamilton Fox &amp; Company Inc, Miami FL"},{"@type":"BreadcrumbList","@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.hamfox.com\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog\/category\/insurance\/#listItem","position":2,"name":"Insurance","item":"https:\/\/www.hamfox.com\/blog\/category\/insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#listItem","name":"How to Know if You Need to Add Flood Insurance"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#listItem","position":3,"name":"How to Know if You Need to Add Flood Insurance","previousItem":{"@type":"ListItem","@id":"https:\/\/www.hamfox.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.hamfox.com\/blog\/#organization","name":"Blog | Hamilton Fox & Company Inc.","url":"https:\/\/www.hamfox.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.hamfox.com\/blog\/author\/agentinsure\/#author","url":"https:\/\/www.hamfox.com\/blog\/author\/agentinsure\/","name":"agentinsure","image":{"@type":"ImageObject","@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g","width":96,"height":96,"caption":"agentinsure"}},{"@type":"WebPage","@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#webpage","url":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/","name":"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox & Company Inc.","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.hamfox.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/#breadcrumblist"},"author":{"@id":"https:\/\/www.hamfox.com\/blog\/author\/agentinsure\/#author"},"creator":{"@id":"https:\/\/www.hamfox.com\/blog\/author\/agentinsure\/#author"},"datePublished":"2017-08-14T02:00:00-06:00","dateModified":"2017-08-01T08:57:32-06:00"},{"@type":"WebSite","@id":"https:\/\/www.hamfox.com\/blog\/#website","url":"https:\/\/www.hamfox.com\/blog\/","name":"Blog | Hamilton Fox & Company Inc.","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.hamfox.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Blog | Hamilton Fox &amp; Company Inc. |","og:type":"article","og:title":"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox &amp; Company Inc.","og:url":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/","article:published_time":"2017-08-14T14:00:00+00:00","article:modified_time":"2017-08-01T14:57:32+00:00","twitter:card":"summary","twitter:title":"How to Know if You Need to Add Flood Insurance | Blog | Hamilton Fox &amp; Company Inc."},"aioseo_meta_data":{"post_id":"19","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":null,"schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2020-12-21 15:32:59","updated":"2025-06-11 20:50:57","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.hamfox.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.hamfox.com\/blog\/category\/insurance\/\" title=\"Insurance\">Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tHow to Know if You Need to Add Flood Insurance\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.hamfox.com\/blog"},{"label":"Insurance","link":"https:\/\/www.hamfox.com\/blog\/category\/insurance\/"},{"label":"How to Know if You Need to Add Flood Insurance","link":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/"}],"_links":{"self":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":1,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions"}],"predecessor-version":[{"id":20,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions\/20"}],"wp:attachment":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/media?parent=19"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/categories?post=19"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/tags?post=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}