Anywhere it rains, it can flood. A flood is a general and temporary condition where 2 or more acres of normally dry land, or 2 or more properties, are inundated by water or mudflow. Many conditions can result in a flood:
Outdated or clogged drainage systems and rapid accumulation of rainfall
Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors:
Changes due to building and development
River-flow and tidal-surge data
Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.