Flood Insurance: It Can Flood Anywhere It Rains
When most people think about floods, they picture overflowing rivers, hurricanes, or coastal storm surges. But the reality is far more unpredictable—and more personal. If it rains where you live, it can flood where you live.
Flooding is the most common and costly natural disaster in the United States, yet many homeowners and renters remain uninsured against it. Standard home insurance policies do not cover flood damage, which leaves countless people vulnerable to unexpected financial losses. That’s where flood insurance comes in.
Why Flood Insurance Matters
Floods Happen Everywhere
Contrary to popular belief, you don’t have to live in a high-risk flood zone to experience flooding. In fact, more than 25% of flood insurance claims come from properties outside of high-risk areas. Urban developments, clogged drainage systems, and heavy rainfall events can all trigger unexpected floods—even in places with no history of flooding.
Climate Change Increases the Risk
Rising sea levels, stronger storms, and unpredictable weather patterns mean that areas previously considered low-risk may not stay that way. What used to be a “once in a century” event can now happen multiple times in a decade.
Recovery Without Insurance is Costly
Just one inch of floodwater can cause upwards of $25,000 in damage. Without flood insurance, that cost comes out of your pocket. Federal disaster aid is not guaranteed—and when it is available, it typically comes in the form of loans you must repay, not grants.
How Flood Insurance Works
Flood insurance is typically offered through the National Flood Insurance Program (NFIP), managed by FEMA, and also through private insurance companies.
- NFIP policies cover up to $250,000 for the structure and $100,000 for contents.
- Private insurers may offer higher limits and additional options.
Who Needs Flood Insurance?
Everyone. Whether you rent a basement apartment in the city or own a home on a hill, you are at risk. If it can rain where you are, it can flood where you are. Flood insurance isn’t just for people in “flood zones”—it’s a smart precaution for anyone who wants to protect their home and belongings.
Final Thoughts
You insure your car, your health, and your home—why not insure against one of the most common and destructive threats out there? Flood insurance offers peace of mind in an uncertain climate. Because when the rain starts falling, it’s too late to wonder, “Am I covered?”
Key Takeaway:
If it rains, it can flood. If it can flood, you need flood insurance.
Want to know the flood zone where your house is located? Give us a call at 724-575-7237 and we’ll review your risk together.