{"id":8710,"date":"2021-02-11T09:44:36","date_gmt":"2021-02-11T14:44:36","guid":{"rendered":"https:\/\/blog.greatflorida.com\/?p=8710"},"modified":"2026-04-16T17:33:43","modified_gmt":"2026-04-16T21:33:43","slug":"should-you-get-house-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2021\/should-you-get-house-flood-insurance\/","title":{"rendered":"Should You Get House Flood Insurance?"},"content":{"rendered":"

If you live in an area that has a high risk of flooding, you\u2019re legally required to have house flood insurance<\/a>. But what if you live inland away from major bodies of water or in an area that\u2019s otherwise considered low risk? Even then, there\u2019s good reason to consider house flood insurance.\u00a0<\/p>\n

Is House Flood Insurance Necessary in Low-Risk Areas?<\/strong><\/h2>\n

Including hurricanes, 90% of natural disasters in the US involve flooding<\/a>. And besides major catastrophes, many other issues can cause your home to flood including water backups, heavy or prolonged rains, overflow from ponds, and the list goes on. <\/p>\n

So even if you\u2019re not in an area where flooding is common or expected, getting home flood insurance is a good precaution to take. After all, just one inch of water can cause $20,000 worth of damage<\/a> or more. Surely, you don\u2019t want to be stuck shouldering such a heavy burden if or when you\u2019re affected by flooding. Having adequate insurance coverage<\/a> guarantees that you won\u2019t have to.<\/p>\n

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What House Flood Insurance Covers <\/strong><\/h2>\n

For your peace of mind, house flood insurance<\/a> covers a variety of damages and losses. As far as structural damage goes, it typically covers the following:\u00a0<\/p>\n