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Except for fire, floods are the most common and widespread of all natural disasters. Most communities in the United States experience some degree of flooding after spring rains, heavy thunderstorms, hurricanes, or winter snow thaws. Homeowner’s insurance does not cover flood damage.

In a warning to homeowners: After every flood, we hear about homeowners who did not realize they needed to protect themselves with flood insurance. We urge consumers to check now and make sure they have the protection they need.

Since most homeowner insurance policies do not cover flood, where can I find coverage?

How should I buy flood insurance?