Why Flood Insurance is More Important Than You Think

When most people think about home insurance, they assume flooding is covered — but in reality, most standard homeowners’ policies do not include flood damage. This leaves many homeowners vulnerable to devastating financial losses after a storm, heavy rain, or sudden water surge.

Floods Can Happen Anywhere

Flooding isn’t just a coastal problem. In fact, according to FEMA, 25% of flood claims come from properties outside high-risk flood zones. Even a few inches of water in your home can cause thousands of dollars in damage to flooring, walls, furniture, and electrical systems.

Why Flood Insurance Matters

Financial Protection – Without flood insurance, you’re responsible for repair and replacement costs out of pocket.

Peace of Mind – Knowing you’re covered allows you to focus on recovery, not unexpected bills.

Compliance for Certain Mortgages – If your property is in a high-risk flood area, lenders often require flood insurance.

Changing Weather Patterns – Increased rainfall, stronger storms, and urban development are making flooding more common in areas that were once considered safe.

It’s Not Just for Homeowners

Renters, business owners, and condo residents can also benefit from flood coverage. Policies are available to protect personal property, inventory, and building structures — ensuring recovery is faster and less financially overwhelming.

Klinger Insurance Group is here to help you understand your flood risk and find the right coverage for your needs. Call us today at 301-428-4935 or visit www.klingerinsurancegroup.com