For many homeowners, flood insurance is an essential extra layer of protection. Adding flood insurance to your insurance package means you’re covered if groundwater rises and floods your home—a situation that isn’t usually covered by home policies.
We agree with the National Flood Insurance Program—everyone should have flood insurance, especially if you’re in an area that has a high flood risk. You might even be required to have it if you’re at high risk.
Here’s why the National Flood Insurance Program (NFIP) recommends flood insurance to everyone:
The situations that cause flooding—heavy rain, melting snow, severe coastal weather—can happen anywhere. In fact, one in five flood insurance claims comes from someone in a low—or medium-risk area.
Most of your house is covered; what isn’t?