Damage From Just One Inch of Water Can Cost More Than $20,000

Federally regulated or insured lenders to require flood insurance on mortgaged properties that are located in areas at high risk of flooding. But even if your property is not in a high risk flood area, your mortgage lender may still require you to have flood insurance.

Floods can happen anywhere–More than 20 percent of flood claims come from properties outside the high risk flood zone.

Storms are not the only cause of floods. Flooding can be caused by dams or levees breaking, new development changing how water flows above and below ground, snowmelt and much more.

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