Believe it or not, there are only a few places in the United States that are considered “flood-free”. And even if your home isn’t sitting on top of a flood plain, that doesn’t mean that there won’t be a natural disaster to surprise you. What with the weather we’ve had this year, anything can happen this winter! You can check your area with the FreeFlood.com website.

Flooding is the most common natural disaster in our nation, and according to the National Flood Insurance Program it caused almost $3 billion in losses in less than a decade, between 2001 and 2010. Remember—your regular homeowners insurance policy does not cover flooding, and additional coverage is required. And if you’re thinking that you don’t need it, read this next part carefully: 20 percent of flood claims come from places where the flood risk is low, says FloodSmart. [Read more…]