Everyone lives in a floodzone. Some places have higher flood risks than others. If you live on a hill, your risk may be reduced. But it is not eliminated. Flooding can happen anywhere.

Each year:

25% of flood insurance claims are from outside high-risk areas (regulated, mapped floodplains)

Standard homeowners insurance or business insurance does not cover flood damage.

Flood Insurance is required for most property owners in the FEMA-regulated floodplain. But anyone can buy flood insurance—for property inside or outside of the mapped floodplain.  

Some mortgage lenders even require flood insurance for property that is not actually in a regulated floodplain, but touches one. 

You can buy flood insurance to cover damage to the building itself or what's inside. Coverage is available for residential and business property. Renters can buy flood insurance for their furniture, clothing and other possessions.

Figure out the value of what's in your home