However, you don\u2019t have to live in a hurricane zone to experience a flash flood. Fortunately, most areas at risk have some kind of flood control system in place. Even then, that\u2019s not always enough. Again, a prime example is flooding in New Orleans.<\/p>\n\n\n\n
Since water travels downward, not only could you lose everything on a higher level, but you also could experience basement flooding. Even if you have a powerful sump pump, it wouldn\u2019t be enough to help.<\/p>\n\n\n\n
How to Determine if You Need Flood Insurance<\/h2>\n\n\n\n
One of the best ways to find out if you need this type of coverage is to talk to your mortgage lender. Another great option is to speak with a representative from your insurance company. That professional can quickly identify whether your home is in an area at risk for flooding. In either case, they\u2019ll use an official flood map that pinpoints exact locations that are high-risk.<\/p>\n\n\n\n
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<\/figure><\/div>\n\n\n\nWhat Does Flood Insurance Cover?<\/h2>\n\n\n\n
Some people make the mistake of thinking their homeowner\u2019s insurance includes protection from floods. That\u2019s not the case. You need a second policy for flood insurance. Typically, the mortgage company requires homeowners to have this type of coverage if they live in a flood zone. So, without proof of protection, you couldn\u2019t get a loan.<\/p>\n\n\n\n