3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

When is a homeowner legally required to buy flood insurance?

Flood insurance is vital coverage that is recommended for all homeowners. Palacio Miller Agency offers flood policies to help Louisville, KY residents better protect their home investment.

When is a homeowner legally required to buy flood insurance?

Some Louisville, KY homes sit inside flood zones that the Federal Emergency Management Agency (FEMA) determined to have a high probability of frequent flooding. The federal government, through the Federal Deposit Insurance Corporation (FDIC), requires homeowners who purchase these homes to also purchase flood insurance to protect them.

What Homes Must Carry Flood Insurance?

Not every Kentucky home needs this type of policy, but if you reside near a creek or river, purchasing one can help protect you from the inevitable. You should check your home’s address using FEMA’s Flood Map Service Center to learn which zone your home falls into for flood risk. If the map reveals that your home sits inside a zone beginning with an “A” or a “V,” and you hold a federally-backed mortgage, you’re legally required to purchase flood insurance.

What is a federally-backed mortgage?

The term federally-backed mortgage describes most mortgages in the US. If the bank, credit union, or other financial lenders you use carries the phrase “insured by the FDIC” or “insured by the Federal Deposit Insurance Corporation,” that means federally backed. You must purchase flood insurance if your home sits in a zone beginning with an “A” or a “V.”

How do you purchase flood insurance?

Palacio Miller Agency offers flood insurance, and it only takes a phone call or an email to us to start the process. Purchasing flood insurance to complement your homeowners’ policy uses a similar process to home coverage. We ask many of the same questions, but some do change.

When you contact us directly, we’ll ask if you want structure coverage, contents-only coverage, or both. Homeowners typically choose the coverage of both, since that means their house and personal items in it receive coverage. Contact us today to get started.


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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