HAZARD

Flooding

The most common and costly US disaster — and standard home policies usually exclude it.

FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-06

What raises the risk

• Low elevation, proximity to rivers, coasts, or poor drainage.
• Heavier rain events and storm surge.
• Impervious surfaces upstream that speed runoff.

How to prepare

• Know your flood zone and elevation; keep valuables and utilities above likely water levels.
• Consider flood barriers, sump pumps, and backflow valves.
• Keep digital copies of documents and an emergency kit ready.

Insurance

Most standard homeowner policies do NOT cover flood. Flood insurance (e.g. through the NFIP or private carriers) is separate — confirm your needs with a professional.