Скачать или смотреть Flood Insurance Explained: What Georgia Homeowners Must Know | Expert Insights with Matt Reeves

With climate events becoming more unpredictable, flood insurance is now a critical topic for homeowners, buyers, and investors across Metro Atlanta and North Georgia. In this episode of Go Gaddis Real Estate Radio, I’m joined by insurance expert Matt Reeves to break down what you really need to know about flood insurance—whether you live near a creek, in a floodplain, or even in areas that seem “safe.”

I’m Cleve Gaddis, REALTOR® and host of Go Gaddis Real Estate Radio, where we help listeners go from real estate novice to expert. Flood insurance is one of the most misunderstood aspects of homeownership, and unfortunately, too many buyers discover the risks and costs after it’s too late. This conversation is all about helping you protect your biggest investment.

💦 What We Cover in This Episode:
✅ What is flood insurance—and what it covers (and doesn’t)
✅ The difference between homeowners insurance vs flood insurance
✅ Who needs flood insurance (hint: it’s not just waterfront property owners)
✅ How FEMA flood maps work and what they don’t show
✅ How flood zones are determined in Metro Atlanta
✅ When flood insurance is required by lenders
✅ Average flood insurance costs in Georgia and how they’re changing
✅ Private flood insurance vs. National Flood Insurance Program (NFIP)
✅ Common myths about flood insurance in Georgia
✅ What buyers should ask during the due diligence period about flood risk
✅ How new construction and urban development affect runoff and drainage risks

🏘️ Why This Matters for Atlanta Area Buyers & Sellers
You don’t have to live on a river or next to a lake to need flood protection. Many Atlanta suburbs like Lawrenceville, Roswell, Cumming, Duluth, and Peachtree Corners have areas prone to flash flooding due to creek overflows, poor drainage systems, or aging infrastructure.

In fact, many homeowners are surprised to learn that their standard homeowners insurance doesn’t cover flood damage. That’s where a separate flood insurance policy comes in—and understanding what’s required (or advisable) in your specific area can save you tens of thousands of dollars in the event of a disaster.

📍 Georgia Flood Insurance Insights
According to Matt Reeves, many areas of Metro Atlanta are seeing increased scrutiny from lenders and insurers when it comes to flood zones—especially as FEMA retools flood risk maps and climate events cause unexpected damage. Even if you’re not in a high-risk zone, it may be worth getting a quote and learning about your true risk.

Whether you’re buying a home in Gwinnett, Fulton, DeKalb, or Forsyth County, or selling a property that could be affected, having the right insurance strategy in place is more important than ever.

📞 Need help figuring out your flood risk or insurance needs? Visit www.GoGaddisRadio.com for trusted referrals, real estate expertise, and tools to help you make informed decisions across Metro Atlanta and North Georgia.
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