High and Dry - The Homebuyer's Guide to Flood Insurance

Flood insurance is one of the most misunderstood parts of buying and owning a home. Most people don't discover what they don't know until after a flood and by then, the financial consequences can be devastating.
Most homeowners believe at least one of these myths:
❌ "I'm not in a flood zone, so I don't need flood insurance."
❌ "My homeowners insurance covers flood damage."
❌ "I already have flood insurance, so I'm fully protected."

The truth? Flood risk extends well beyond FEMA's high-risk zones, a large share of flood claims come from areas mapped as low to moderate risk. Every year, thousands of property owners are caught off guard by their flood risk, their policy's limitations, or options they never knew existed.