In fact, floods and flash floods can happen in all 50 states. With almost 20% of all flood insurance claims coming from moderate- to low-risk areas – you don't have to live in a high-risk zone to be affected.
What does flood insurance cover? Having flood insurance means you're protected if groundwater rises and floods your home causing damage – something that isn't usually covered general homeowner insurance. Just imagine a few inches of floodwater in your home and how costly that could be if you didn’t have flood insurance.