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  • Scott Brekne

Do I Need Flood Insurance?

Whether you live in a high-risk flood area or not, all property owners should consider purchasing flood insurance. Every home has risk of flooding, no matter its elevation or distance to shore. In certain cases a home owner may be required to have flood insurance.


Homes and businesses in high-risk flood zones with a federal government backed mortgage are required to carry flood insurance. Your mortgagee wants to be certain that you are properly covered in the event of a flood. If you are required to carry flood insurance and the estimated replacement value of your dwelling or building is greater than or equal to $250,000, you will be required to hold at minimum $250,000 in flood dwelling coverage. Contents coverage will remain optional.


Have questions? Call Brooks Robb & Callahan for any of your insurance needs.


About Brooks Robb & Callahan

Brooks Robb & Callahan is a family owned and operated independent insurance agency protecting personal and commercial clients from property and casualty risks since 1871. Sisters Kristen Ducharme and Lindsey Stortz acquired the business from their long time family friends in July 2013. Their brother, Scott Brekne, joined the business in 2021. Together they continue to run the business the way it always has been – by family with honesty and integrity. They feel incredibly blessed to have the opportunity to work together every day.



Does my home require flood insurance? Do I need flood insurance for my home? Should I have flood insurance in Oyster Bay?

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