Water doesn’t negotiate. It doesn’t check your deductible, and it certainly doesn’t care whether you thought your homeowners policy covered flooding. Across the country, millions of people live in states that rank among the riskiest for flooding, yet huge numbers of those homes sit completely uninsured against rising water.
That gap between risk and protection grows wider every year, even as storms intensify, rainfall totals shatter records, and development pushes deeper into vulnerable areas. If you own property in one of the following states, you need to know exactly where you stand.
