Flood Insurance for Tulsa Home Owners
February 10, 2010
Many residents of Oklahoma may not even consider purchasing flood insurance however, there are all kinds of areas that suffer from repeated flood damage and this is true in the Tulsa area. You may think that if your home or property is not listed in a designated floodplain then you do not need flood insurance, but this is a misconception. Many of the areas around Tulsa suffer from flood damage when heavy rains pour down.
Tulsa homeowners should consider purchasing flood insurance and when looking to purchase a new home talk with your Tulsa Realtor to learn if the home or area is prone to flooding.
Tulsa County during the 1970’s and 1980’s actually had more federal disaster declarations than any other location in the United States. In 1984 alone, a flash flood was the result of 14 deaths and a total of $180 million in damages. Tulsa has been since that time working on flood projects and many have been finished; however, more are in the works. The new flood program has been used as a national model and the risk of flooding of course has been reduced significantly. Tulsa homeowners, on the other hand, must remember that even though the risk has been reduced, does not guarantee that flooding will not occur.
One thing that Tulsa homeowners or potential Tulsa County homeowners must remember is that all of the creeks and rivers in the area periodically have flash floods. Flood damages have occurred along the Arkansas River and many of the creeks in the area including Bird, Bigheart, Coal, Crow, Cherry-Red Fork, Dirty Butter, Elm, Flat Rock, Fred, Fry, Hager, Harlow, Haikey, Joe, Mingo, Mooser, Nickel, Perryman, Park View, Oak, Valley View, and Vensel.
The good news is that flood insurance is available for all properties in the Tulsa area. The majority of homeowner’s policies do not cover any losses due to flooding; therefore, homeowners need to protect their home and their belongings by learning more about the National Flood Insurance Program.
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2 Comments to Flood Insurance for Tulsa Home Owners
Comments
I always advise all of my clients who are buying a home near a creek or river to check into flood insurance. Even though the insurance company may not require it, what do you do if it does flood and then you have nothing? It is always better to be safe than sorry in siutations like this!
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This is very great post. Thank a lot
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