Flooding is the most common natural disaster in the United States, yet it is one of the least insured risks. Standard property and homeowners’ insurance policies do not cover flood damage, leaving property owners exposed to significant financial loss. Even a small amount of floodwater can cause widespread damage to structures, electrical systems, flooring, and contents. On average, just one inch of floodwater can cause tens of thousands of dollars in damage.

Flooding can happen nearly anywhere—not just along coastlines or near rivers. Almost 40% of National Flood Insurance Program (NFIP) claims come from properties located outside high‑risk flood zones, areas where flood insurance is often not required. Additionally, 98% of U.S. counties have experienced at least one flooding event, highlighting that flood risk is widespread and not limited to historically mapped areas. 

Flood insurance is a critical layer of financial protection to help protect against these losses by covering damage caused by rising water from heavy rainfall, storm surge, or overflowing waterways. Without flood coverage, recovery costs after a flood are often paid entirely out of pocket. With flooding becoming more frequent and more costly, relying on standard insurance or disaster assistance alone can leave significant gaps. Flood insurance helps provide peace of mind and financial stability when flooding occurs—whether in a high‑risk zone or not.

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