Based on what National Flood Insurance has learned over the years, we know that floods can happen anywhere in the United States.

  • 15 November 2019 |


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

Last modified on Friday, 15 November 2019 13:10
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