Why Flood Insurance Matters—Even If You’re Not Near Water

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Flooding is the most common and costly natural disaster in the U.S., yet most homeowners policies don’t cover it. Just one inch of water can cause over $25,000 in damage—and nearly half of all flood claims come from properties outside high-risk zones. That means even homes in “safe” areas aren’t immune.

Flood insurance isn’t just about protecting your property—it’s about peace of mind. Whether it’s a flash flood, heavy rain, or unexpected runoff from new development, flood damage can strike quickly and leave lasting financial strain. With a flood policy, you’re covered for both the structure and your belongings, helping you recover faster and more fully.

 

If your community participates in the National Flood Insurance Program (NFIP), coverage is available—and often more affordable than people expect. Don’t wait until it’s too late: flood insurance typically has a 30-day waiting period before it kicks in.