Many homeowners think flood insurance is only necessary for people living near rivers, lakes, or coastlines. This misconception leaves countless properties vulnerable to devastating water damage from unexpected sources. At Familia Insurance Agency in Kissimmee, FL, we help homeowners understand that flooding can happen anywhere, often when you least expect it.

Flash Floods Can Happen Anywhere

Heavy rainfall can overwhelm storm drains and create dangerous flooding in areas miles from any natural water source. Urban and suburban areas are particularly vulnerable because concrete and asphalt prevent water from soaking into the ground naturally. When storm systems dump several inches of rain in a short period, that water has to go somewhere.

Broken water mains, overflowing retention ponds, and backed-up sewer systems can also cause significant flooding. These incidents occur in neighborhoods that have never experienced natural flooding. Even a burst pipe in an upstairs unit of a condo building can cause flood-like damage to units below.

Why Your Homeowners Policy Won’t Help

Here’s the harsh reality: standard homeowners insurance doesn’t cover flood damage, regardless of the cause. Whether it’s a natural disaster or a municipal water system failure, you’re on your own without separate flood insurance. This coverage gap has financially devastated homeowners who assumed they were protected.

The National Flood Insurance Program makes coverage available to most property owners, but there’s typically a 30-day waiting period before coverage begins. This means you can’t wait until a storm is approaching to buy protection.

Prepare Before It’s Too Late

Flooding causes billions in damage annually, and much of it occurs outside traditional flood zones. Familia Insurance Agency in Kissimmee, FL, can help you understand your flood risks and find appropriate coverage before you need it.