Why Californians Need Flood Insurance

Why Californians Need Flood Insurance

March 26, 2024

As Californians, we are no strangers to the capricious nature of the elements. From the sun-kissed beaches of Malibu to the towering sequoias of Yosemite, the Golden State is blessed with diverse landscapes. However, along with its beauty comes the constant threat of natural disasters, including floods. In recent years, the frequency and severity of floods have increased, making it imperative for Californians to safeguard their homes and livelihoods with flood insurance.

Many homeowners mistakenly believe that their standard insurance policies cover flood damage. However, most conventional policies exclude flood-related losses, leaving homeowners vulnerable to substantial financial burdens. This is where flood insurance plays a pivotal role. By obtaining flood insurance, homeowners can protect their assets and ensure financial stability in the face of unforeseen calamities.

Homeowners might also believe that since they are not residing in a high-risk flood zone, they don’t have any cause for concern. However, two statistics below show that even if you live in areas with low-to-moderate flood risk, you might coverage:

  • 40% of flood insurance claims come from outside high-risk flood areas (1)
  • The #1 cause of flooding isn’t natural disasters — it’s water build-up after heavy rainfall (2)

In summary, flood insurance provides essential financial protection against the devastating effects of floods, ensuring that you can recover and rebuild your life after such a disaster. Whether you live in a high-risk flood zone or not, having flood insurance is a wise investment in your future and the security of your home and family.


1 https://www.fema.gov/fact-sheet/everyone-needs-flood-insurance/

2 https://www.weather.gov/safety/flood-hazards


This blog post is not offered, and should not be relied on, as insurance advice. You should consult an insurance agent for advice in specific situations.