Picture credit: FEMA
A question we commonly get asked is,
“Do I need flood insurance?” The simple answer is, Yes.
In fact, 25% of all flood insurance claims come from moderate- to low-risk areas. This means you don't have to live in a high-risk zone to be affected.
Getting a flood insurance quote is easy and having flood insurance means you’re covered if groundwater rises and floods your home – something that isn't usually covered by general homeowner insurance policies.
General Facts About
Flooding and Flood Insurance
Wherever it rains, a flood can happen and
it’s not just surrounding water that makes
certain states flood-prone.
Flooding is a year-round, coast-to-coast threat to the United States
as geography, seasonal weather, and human activity all play
a key role. Flooding generally occurs when there is continuous
rain over several days, when severe rain occurs over a short
period of time, or when ice melt or a debris jam causes
a river to overflow in its surrounding area.
Flooding isn’t, however, all-natural.
Flooding can also result from the failure of manmade
water control structures such as a levee or dam failure.
However, the most common cause of flooding, especially
in high-risk states such as Florida, Texas, Louisiana,
North Carolina, and other coastal locations, is from rain
and/or snowmelt that accumulates faster than
grounds can absorb it or rivers can carry it away.
These facts and more information found here: National Flood Insurance