Like HowStuffWorks on Facebook!

How Flood Insurance Works

Author's Note

I don't have flood insurance. The river is a mile down the road and I live on a hill. What I need is tree insurance. Trees tend to fall on my property like discarded matchsticks. Just the other week, I had a contractor clear a good deal of my property. Oh yeah, it wasn't cheap.

Related Articles

More Great Links


  • Bradenton Herald. "Spring is Flood Season and a Reminder to Consider Buying Flood Insurance Policy." March 20, 2012. (March 26, 2012).
  • FEMA. (National Flood Insurance Program Summary of Coverage." (March 27, 2012).
  • Flood Smart. "Frequently Asked Questions." (March 27, 2012).
  • Flood Smart. "Policy Rates." (March 27, 2012).
  • Flood Smart. "What's Covered." (March 27, 2012).
  • Jewell, Mark. "Hurricane Irene: Most Insurance Policies Don't Cover Home Flooding." Huffington Post. Aug. 29, 2011. (March 27, 2012).
  • Powell, Eileen Alt. "How Flood Insurance Works." Associated Press. March 21, 2004. (March 27, 2012).