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Megan K. Shannon and Jay M. Levin of Offit Kurman.

With hurricane season upon us, and the severe storms of the last few years fresh in our minds, property owners should think about whether they need flood insurance. Floods carry with them nature’s full devastating power and can destroy homes and lives in a matter of hours. Failure to carry proper and sufficient flood insurance can leave a family or business without the resources to recover. This article will address federal flood insurance, including what it covers and its limitations. It will also address when private flood insurance should be considered, either in addition to, or separate and apart from, federal flood insurance.

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