When most people hear “flood insurance,” they picture hurricanes and coastal storms — not a few days of heavy rain. But you don’t need to live near water to face flood risk.
According to FEMA, 1 in 5 flood claims come from areas labeled “low-risk.” That means thousands of homeowners each year are caught off guard — often learning too late that standard homeowners insurance doesn’t cover flood damage.
Everyday Flood Triggers
Flooding can happen for reasons as simple as:
- Prolonged heavy rain or sudden downpours
- Melting snow or ice after a cold snap
- Clogged storm drains or poor neighborhood drainage
- Construction or pavement that redirects water toward your home
Even a few inches of water can cause tens of thousands of dollars in damage — warping floors, ruining drywall, and shorting electrical systems.
What Homeowners Insurance Doesn’t Cover
A standard homeowners policy excludes flooding from external water sources.
If rainwater seeps into your basement or runoff enters through doors and vents, you’re responsible for the repairs unless you have flood coverage.
Private flood insurance is now faster, broader, and often more affordable than government options (like NFIP).
- Coverage can begin in as little as 7 days.
- Higher coverage limits are available.
- No elevation certificate is required.
Flooding isn’t just a coastal problem — it’s an everywhere problem. As weather patterns shift and everyday events create unexpected water issues, having the right protection matters more than ever. A private flood policy can fill the gap your homeowners insurance leaves behind, giving you peace of mind long before the clouds roll in.
If you haven’t reviewed your flood coverage lately, now’s the perfect time to make sure your home is protected from whatever water sends your way.