{"id":2899,"date":"2026-04-09T11:45:21","date_gmt":"2026-04-09T18:45:21","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=2899"},"modified":"2026-04-10T13:57:08","modified_gmt":"2026-04-10T20:57:08","slug":"flood-insurance-86-of-homeowners-dont-have-it","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/flood-insurance-86-of-homeowners-dont-have-it\/","title":{"rendered":"Flood insurance: 73% of homeowners don’t have it"},"content":{"rendered":"

Strong storms, hurricanes, overflowing rivers\u2026 Depending on where you live, your home could be prone to flooding. With that in mind, do you have flood insurance? You may not be aware of this, but homeowners insurance\u00a0\u00a0(which we\u00a0highly recommend you purchase<\/a>\u00a0if you haven\u2019t already) generally does not cover floods. To the surprise of many, only 27% of the homes in the United States have flood insurance although 90 percent of catastrophes in the U.S. involve flooding.1<\/sup><\/p>\n

That said, the threat of flooding is very real. In 2023 alone, there were 28 separate weather and climate disasters costing at least 1 billion dollars.2 <\/sup>This statistic puts 2023 into first place for the highest number of billion-dollar disasters during a single year.<\/p>\n

To apply for it, you can check out the\u00a0National Flood Insurance Program\u00a0offered by the Federal Emergency Management Agency (FEMA), or you can go through a private insurance company. But keep in mind that not all insurance companies offer flood insurance.<\/p>\n

So, to recap, if you own a home and don\u2019t have\u00a0homeowners insurance<\/a>, we highly recommend you start there. Remember, by bundling it with your auto insurance you could save on both. Then, especially if you are in a flood-prone area, adding flood insurance on top of your home policy could save you a ton of money for when disaster strikes.<\/p>\n","protected":false},"excerpt":{"rendered":"

Strong storms, hurricanes, overflowing rivers\u2026 Depending on where you live, your home could be prone to flooding. With that in mind, do you have flood insurance? You may not be aware of this, but homeowners insurance\u00a0\u00a0(which we\u00a0highly recommend you purchase\u00a0if you haven\u2019t already) generally does not cover floods. To the surprise of many, only 27%…<\/p>\n","protected":false},"author":22,"featured_media":2900,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[423],"tags":[153],"class_list":["post-2899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home","tag-flood-insurance"],"ic_custom":{"author_name":"AnswerFinancial","medium_thumbnail":"\"House","author_link":"https:\/\/blog.answerfinancial.com\/author\/answerfinancial\/"},"yoast_head":"\r\nFlood insurance 86% of homeowners don't have it but probably need it<\/title>\r\n<meta name=\"description\" content=\"Do you have flood insurance? 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