Why Protect Your Panhandle Home from Floods?
Worried about hurricane floods ruining your Florida Panhandle home? You’re not alone—Hurricane Michael (2018) caused $25 billion in damages, flooding Bay County, and Helene (2024) hit hard. FEMA says one inch of floodwater can cost $25,000, but mitigation saves thousands.
As a family-owned agency in Fort Walton Beach, Term Brokers Insurance helps Panhandle families stay safe. Our guide shares 10 easy steps to flood-proof your home and cut insurance costs. After Sally soaked Pensacola in 2020, mitigated homes recovered faster.
What Are the Panhandle’s Flood Risks?
10 Steps to Flood-Proof Your Panhandle Home
How Does Flood Insurance Save You Money?
Top Flood Mitigation Questions Answered
Q: Do I need flood insurance in a low-risk zone?
A: Yes—FEMA says 30% of claims come from low-risk areas like Crestview.
Q: How much do mitigation steps cost?
A: Sealants cost $200-$500; elevating appliances runs $2,000-$10,000, saving thousands.
Q: Can mitigation lower my premiums?
A: Yes, CRS programs in Fort Walton Beach save 5-45% on premiums.
Q: How do I start flood-proofing?
A: Check your flood zone and contact Term Brokers for a free risk assessment.
Q: My older home is at high risk. What else can do I to mitigate potential flood damage?
A: You can elevate your entire home at a cost of $60-$90 per square foot. You may qualify for a FEMA grant to offset the expense if your home has been damaged in a flood in the past.
Local Flood Resources Near You
Where can you find flood help in the Panhandle? Contact Okaloosa County Floodplain Management for advice or join Bay County’s CodeRED alerts for storm updates. The Northwest Florida Water Management District offers flood data. Walton County workshops provide free guidance. Visit county websites for sandbag locations. Term Brokers connects you with resources—reach out today.
About Term Brokers Insurance
Call to Action and Downloadable Checklist
Download our 10 Flood Mitigation Steps Checklist to protect your home today! Share this guide with neighbors on social media to keep our Panhandle community safe. #PanhandleFloodPrep. Need personalized advice? Contact Term Brokers for a free consultation. Let’s prepare together!
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