Patrick McNealis Insurance and Financial Group

111 E Harrison St Suite 1,
Emmaus, PA 18049

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Flood Insurance in Pennsylvania


Are you at risk of being devastated by a flood? You might be surprised but hopefully that will first be with an honest assessment of your flood risks, not by a flood.

By law, flood insurance through the National Flood Insurance Program (NFIP) must be purchased at least 30 days before it becomes effective. NFIP insurance has limits that may be well below the value of your buildings, or not cover important items within the buildings; then you need umbrella insurance to cover the balance. Patrick McNealis Insurance and Financial Group can analyze the risk to your home or business.

The Federal Emergency Management Agency (FEMA) currently designates flood zones according to historic assumptions: They have a potential of being flooded once every 100 years, or once every 500 years. However, some of the most destructive flooding has occurred in areas not previously designated as flood zones. Any flat area between hills can be potentially flooded if the rains too heavily hit an area. If local hills and mountains, or other areas with lots of snow suddenly warm-up or get hit by warm rains, any valley areas below may also get floods. Any location near any river may get flooded.

The Pennsylvania Department of Community and Economic Development (DCED) has designated all of Lehigh County as a potential flood zone. Flash flood warnings are a part of life living in Lehigh County, including Emmaus, PA, Bethlehem, PA, and Nazareth, PA. Even if your home is not directly affected, there is a good chance that other important locations in your life could be.

We at Patrick McNealis Insurance and Financial Group have offices in Emmaus, PA, Bethlehem, PA, and Nazareth, PA. We are always willing to give you a friendly handshake and discuss all your financial planning and insurance needs, including no-obligation quotes. Give us a call or drop into any of our offices today!

Our Partners


  • Donegal
  • Liberty Mutual
  • Lititz Mutual
  • Merchants
  • MetLife
  • National General
  • Nationwide
  • Philadelphia
  • Progressive
  • Safeco
  • State Auto
  • The Hartford