Flood Facts

Everyone lives in a flood zone.

It’s just a question of whether you live in a low, moderate, or high risk area.

Here are some quick facts from the U.S. Federal Emergency Management Agency about flooding: 

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  • Floods and flash floods happen in all 50 states.
  • Everyone lives in a flood zone. (See  FEMA Flood Zones FAQs.)
  • Most homeowners insurance does not cover flood damage.
  • Just an inch of water can cause costly damage to your property.
  • In the past 5 years, all 50 states have experienced floods or flash floods.
  • Homeowners' insurance does not cover flood damage.
  • If you live in a Special Flood Hazard Area (SFHA) or high-risk area and have a Federally backed mortgage, your mortgage lender requires you to have flood insurance. (To find your flood risk, fill out the Flood Risk Profile.)
  • Just a few inches of water from a flood can cause tens of thousands of dollars in damage.
  • Flash floods often bring walls of water 10 to 15 feet high.
  • A car can easily be carried away by just two feet of rushing water.
  • Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding.
  • New land development can increase flood risk, especially if the construction changes natural runoff paths.

 



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