Hurricane Ivan was a waterfront flooding event. Tuesday’s rain event hit areas farther inland for the most part. Because it hit many people who are not in high-risk flood zones, many didn’t have flood insurance and may be disappointed to learn their home insurance policy doesn’t cover rising water.
“I’ve heard people without flood policies say, ‘I don’t need it. I’m not in a flood zone,’ “said Scott Westmark, owner of an Allstate agency on Ninth Avenue. “Actually, the whole state of Florida is a flood zone. There’s high-risk and low-risk areas. About a third of the claims nationwide come out of low-risk zones.”