Most people think of flood insurance paying for a river rising and overflowing its banks and flooding plains. However, most homeowner insurance policies, including "all peril" that cover hurricane and tornado damage, do not cover water damage from groundwater flooding .. With no basements and slab foundations, and heavy summer monsoons, for example, normal policies will not pay for damage from three or four inches of water throughout your house. This really has nothing to do with flood maps etc .. At same time, you need to look at typical flood insurance deductibles .. For $ 3-600 dollars it comes down to whatever helps you sleep well at night.
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