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HAZARD

Coastal flooding

Storm surge, high tides, and rising sea levels can push saltwater into low-lying coastal communities.

FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-10

What raises the risk

  • Elevation below storm surge and high-tide lines, especially in low-lying coastal areas.
  • Proximity to oceans, bays, and tidal rivers where storm surge funnels water inland.
  • Sea-level rise from climate change, which increases baseline water levels over years and decades.

How to prepare

  • Know your home's elevation relative to storm surge and high-tide lines; check FEMA flood maps.
  • Develop an evacuation plan with multiple routes; keep a go-bag ready during hurricane season.
  • Verify flood insurance—standard home policies exclude flood damage; explore NFIP or private flood insurance.

Insurance

Standard homeowners policies do not cover flooding. Homes in high-risk coastal areas typically need separate flood insurance through the National Flood Insurance Program (NFIP) or private carriers. Verify coverage limits and deductibles with a licensed insurance professional.

Where coastal flooding risk rates highest

Covered US counties with the highest FEMA Coastal flooding risk score (a national percentile):

General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.

Related hazards

HurricaneWind, surge, and inland flooding combine — coastal exposure is the biggest driver.FloodingThe most common and costly US disaster — and standard home policies usually exclude it.
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