Flood Insurance Resources
Articles written specifically for homeowners seeking flood insurance information.
Resource Collection
Browse clear, practical flood insurance resources related to this collection. These articles can help you understand coverage, lender requirements, flood zones, private flood options, and next steps before requesting a quote.
Helpful Articles
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…
Read articleDo 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,…
Read articleWorst 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…
Read articleWhen 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?…
Read articleFlood 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…
Read articleFlood 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…
Read articleFlood 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…
Read articleFlooding 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,…
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