Yes, you should strongly consider flood insurance even if you’re outside a high-risk flood zone. In fact, over 25% of all flood insurance claims come from properties in moderate- and low-risk zones. Standard homeowners insurance does not cover flood damage regardless of your zone designation. Heavy rainfall, poor drainage, and nearby construction can cause flooding anywhere. While federal law only requires flood insurance for properties in Special Flood Hazard Areas (SFHAs) with federally-backed mortgages, flooding doesn’t follow map boundaries.
For state-specific flood risk details, see our guides for Mississippi, Alabama, Louisiana, Florida, Tennessee, North Carolina, and Wyoming. Get a free flood insurance quote to see your options.
