Articles
Clear, practical guidance to help you understand flood insurance, reduce risk, and make confident decisions before and after a flood.
Explainer
Do I Need Flood Insurance?
Do I Need Flood Insurance? Flood insurance is one of the most misunderstood types of coverage. Many property owners assume it only applies to homes near water, or that homeowners insurance already covers flooding. In reality, flood risk and flood insurance rules are far more nuanced. The short answer is: sometimes flood insurance is required,…
Is Flood Insurance Required?
When Flood Insurance Is Mandatory Flood insurance becomes mandatory when a property meets two conditions at the same time: When both conditions apply, lenders are required to enforce flood insurance coverage as part of the loan agreement. Flood insurance requirements are tied to lender rules, not personal preference. What Is a Special Flood Hazard Area?…
What Flood Insurance Covers
Flood insurance covers a specific type of water damage. It is not the same as homeowners insurance, and it is not the same as sewer backup or a slow leak. A flood policy is designed to cover direct physical loss caused by a qualifying flood event, subject to your policy’s definitions, limits, and exclusions. Start…
What Is a Flood Zone?
Flood zones are one of the most misunderstood parts of flood insurance. Many people assume that being “in a flood zone” means a property will flood, while being outside of one means it will not. In reality, every property is located in a flood zone, and flooding can occur in any location under the right…
Flood Maps Explained
Flood maps are often talked about as if they are one thing, but there are two very different map types that matter for property owners. One helps you understand current flooding and short-term risk. The other defines official flood zones used for insurance, building standards, and lender requirements. Knowing which map you are looking at…
Guide
How to Prepare Your Home for Hurricane Damage
How to Prepare Your Home for Hurricane Damage Hurricanes pose multiple threats to homes, including high winds, heavy rainfall, storm surge, and inland flooding. While no preparation can eliminate risk entirely, taking proactive steps before a storm can reduce damage, protect lives, and speed recovery. Hurricane season in the United States typically runs from June…
Flood Protection Basics
Flooding is the most common natural disaster in the United States and can occur almost anywhere. Heavy rainfall, rapid snowmelt, hurricanes, and overwhelmed drainage systems can all lead to flooding, sometimes with little warning. Understanding how floods develop and knowing how to respond before, during, and after an event can significantly reduce risk to people,…
Overview
Worst Flood Disasters in U.S. History
Worst Flood Disasters in U.S. History Flooding has shaped U.S. history, damaged entire regions, and changed how communities manage risk. While every disaster is different, the events below are widely recognized for their scale, human impact, and long-term consequences. Important reminder: Your exact flood risk is property-specific. One neighborhood’s experience can be very different from…
Flood insurance that fits your property, not just the map
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