Flooding can occur at any time during the year and is a threat across the United States. Flooding can occur when rain falls heavily for several days,
with extreme rain in a short period of time, or by debris causing a river to overflow. Whether it results from melting snow, thunderstorms or tropical storms, flooding can cause extensive damage. That's why it's important to have flood insurance.

Important flood information:

• Standard homeowners and commercial insurance policies do not include coverage for flood damage.
• Flood insurance must be purchased as a separate policy and is available to consumers through the National Flood Insurance Program. NFIP recommends purchasing flood coverage even if you do not live in a high-risk flood zone.

If you're caught in a flood:

• Listen to local authorities for warnings and other information.
• Do not wade through water or use water near live electrical outlets.
• Be aware of other safety hazards and utility hazards and check here for flood cleanup tips.