Who Should Consider Getting Flood Insurance? These Days, Almost Everyone.
With the Atlantic hurricane season about to start, this may be good time to consider buying flood insurance for your home — even if you don't live in a hurricane-prone area.
Officials at the National Oceanic and Atmospheric Administration said this month that they were expecting more than the average number of hurricanes during the season, which begins June 1 and runs through November. NOAA predicts as many as 19 named storms, with six to 10 of them strengthening into hurricanes. An average season has 14 named storms with seven becoming hurricanes.
Flood insurance should not be seen as important only for property owners near the ocean, insurance experts note. While properties near the coast are in particular peril, areas far inland have had severe flooding in recent years as a warming climate spawns intense storms that drop heavy rainfall.
Won't my homeowner insurance policy cover flood damage?
No. Standard homeowner insurance policies don't cover damage from floods, which are the most common and costly natural disaster in the United States.
Flood protection — which typically covers damage from rising water entering a home — requires a separate policy, available from the federal government's National Flood Insurance Program or from certain private insurers. Borrowers with federally backed mortgages in certain high-risk areas are generally required to carry flood coverage, but it's largely optional otherwise.
What if I don't live near a coastline?
You should still evaluate buying flood coverage, insurance experts say.
Consider this example. In September, Hurricane Helene made landfall on Florida's gulf coast as a powerful Category 4 storm, then moved inland, traveling hundreds of miles north. The storm drenched parts of six states and caused record flooding in western North Carolina.
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