Burbank California Flood Insurance

Originally just a small town named after a New Hampshire dentist with an entrepreneurial spirit, Burbank, California is now one of America’s most vibrant cities. Home to many entertainment companies, Burbank is an important location in the entertainment industry. Because of the prominence of the entertainment industry in the city, residents and non-residents alike may overlook some of the issues that the city faces, including natural disasters like floods.

While perhaps not as “at-risk” as other locations, Burbank does have areas classified as Special Flood Hazard Areas (SFHAs). These SFHAs are locations that have a one in four chance of being inundated by flood waters during a thirty year period. The Federal Emergency Management Agency (FEMA) is responsible for labeling the SFHAs, as well as indicating the depth and probable cause of the floodwaters in that area.

Burbank’s SFHAs are located along the Burbank Western Flood Control Channel. This area is classified as Zone A, meaning that there is a heightened risk for flooding along this area, though FEMA has not done extensive studying to determine how deep flood waters would be in this area. Other areas of flooding concern are along the Lockheed Drain Channel and the Los Angeles County Flood Control Channel. These SFHAs are classified as zone AE, indicating that FEMA has studied the area, but has not indicated the average flood water depth in the area.

In the event that flooding were to occur in these or other areas of Burbank, property owners could find themselves paying the high costs related to flood damage out of their own pockets, as many standard insurance policies do not provide coverage for damages caused by floodwaters. To best protect their assets, property owners in Burbank should consider purchasing a flood insurance policy for their home or business.

One source of flood insurance policies is the National Flood Insurance Program (NFIP.) This is a government-backed program, with policies offered to the general public through private insurance agents. In order to obtain this type of policy, property owners need to obtain an elevation certificate and perhaps take steps to mitigate potential flood risks. Once these initial steps are completed, activation of the policy will occur thirty days after approval.

Another source of insurance policies is the National Catastrophe Flood Insurance Program (NCIP). These policies are underwritten by private insurers and offered to residents of Burbank through private insurance agents. Potential insurees are not required to take any special steps prior to application, and activation occurs fifteen days after the application is approved. In many cases, the NCIP also offers more comprehensive coverage of properties and the contents they contain.

The best time to buy flood insurance is before it is needed. Natural disasters like floods may not be on the forefront of the minds of Burbank residents, but taking the steps to apply for and purchase an insurance policy now will provide protection against high flood damage costs and the peace of mind that comes with that knowledge. Contact us now for more information about the Burbank California flood insurance.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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