Do You Need Flood Insurance? Homeowners Coverage Explained

Thu, 10 Apr 2025 06:13:14 +0000

Natural disasters are unpredictable, and floods are among the most devastating. Whether caused by heavy rains, hurricanes, or rapid snowmelt, flooding can result in significant property damage, leaving homeowners with unexpected expenses. Many people assume their standard homeowner’s insurance covers flood damage, but this is often not the case. That’s where homeowners insurance flood coverage becomes essential. So, do you need flood insurance? This guide will explain what flood insurance covers, who needs it, and how it complements standard homeowner’s insurance to ensure more comprehensive protection.