There’s a common myth that flood insurance is prohibitively expensive. While rates in high-risk coastal areas can be steep, many homeowners in low-to-moderate risk areas can find policies for as little as .

You can't buy flood insurance while the storm is already on the local news. Most policies, including those from the National Flood Insurance Program (NFIP) , have a before coverage kicks in.

When you compare a few hundred dollars a year to a potential $50,000 repair bill, the "math of peace of mind" starts to look very attractive. How to Get Started You don’t have to navigate this alone. You can:

We’ve all said it. "I don’t live near a river." "I’m not in a high-risk zone." "The last time it flooded here, people were still driving Model Ts."