Flooding can happen almost anywhere — not just near rivers. In Mt. Washington, heavy rainfall, runoff, and local drainage
issues can lead to water damage even outside areas considered “high risk.” What many homeowners and renters don’t realize is:
standard homeowners and renters insurance does not cover flood damage.
Flood insurance is a separate policy designed to help protect your home and belongings from flood-related losses.
Kentucky Bred Insurance helps Mt. Washington residents evaluate flood risk and explore coverage options that make sense
for their property.
What Flood Insurance Can Cover
Flood insurance policies generally provide protection for:
- Building coverage (structure-related damage to the home)
- Contents coverage (personal belongings, when selected)
Coverage details vary by policy type and eligibility. For an official overview of flood insurance basics, FEMA provides a clear
explanation here:
Flood Insurance (FEMA).
Do You Need Flood Insurance in Mt. Washington?
Flood insurance may be required for some properties with certain mortgage conditions, but many Mt. Washington residents consider
flood coverage even when it’s optional. Common reasons include:
- Property near creeks, low-lying areas, or runoff paths
- Past water issues in the neighborhood
- Concern about heavy rain events and drainage overflow
- Protecting a long-term home investment
Flood Insurance for Homeowners and Renters
Flood insurance isn’t only for homeowners. Renters can also consider flood coverage to help protect personal belongings in the
event of flood damage. If you rent in the area, you may also want to review our
Renters Insurance
information and compare options.
Get Flood Insurance in Mt. Washington, KY
Kentucky Bred Insurance helps Mt. Washington residents explore flood insurance options with clear guidance and straightforward answers.
If you want to understand flood coverage and determine whether it makes sense for your home or rental, we’re here to help.