Floods are the nation’s most common and costly natural disaster. Purchasing flood insurance is one the smartest ways to protect your home and personal belongings. Many people don’t know until it is too late that their homeowners insurance policies do not provide coverage for damage caused by a flood. At the Hargis Family Agency we are a participating company in the National Flood Insurance Program, backed by the federal government. Flood insurance provides coverage for the physical damage to your home or personal property directly caused by a flood, but they must be purchased separately. Generally, the National Flood Insurance Program encourages customers to purchase both so you can have the reassurance that your home and contents are protected.