Main Content

Why Do I Need Flood Insurance?

Cover photo for the document: Why Do I Need Flood Insurance?

Who needs flood insurance? Everyone. Flooding is the most common and costly natural disaster in the US—and affects properties in and out of high-risk flood zones. Everyone in a participating community of the National Flood Insurance Program (NFIP) can buy flood insurance. To clear up common misconceptions about flooding and flood insurance, the NFIP has prepared the following brochure that includes important facts about flooding and the coverage options available to you.