But, I’m not in a flood plain. Why would I ever need flood insurance?
Designed to protect your property if damaged by flooding, flood insurance is sold as a separate policy. Most homeowner’s policies exclude damage to your property that is caused by a flood.
Even if your home is not near a body of water, you may be at risk.
Groundwater flooding is caused by the property being supersaturated and unable to absorb any more water. Of course when this happens, water builds up on the surface and can develop into a flood. Thus, all the flash flood warnings in the springtime!