We purchase homeowners insurance to help protect us from unforeseen incidents which can cause a lot of damage to our homes. Extreme amounts of damage from flooding can be costly, unless you have a flood insurance policy. Flooding is not covered under standard homeowners insurance. A separate policy is required to protect your home against flood damage.
Without flood insurance your home is unprotected against just about any form of water damage. You do not have to live in a flood zone to be in danger of your home flooding. Flood damage can be caused by an overflowing creek, too much rainfall and melting snow. Some policies do not even coverage damage from backed up sewers, so do not wait until you home is in danger of flooding.
Flood insurance rates are based on a variety of factors, including flood zones, age of home, contents, residents and location of the lowest floor in relation to the grounds elevation.