Are You at Risk of Flooding If You Don’t Live Near the Coast? What the Data Actually Says.
Many Florida homeowners believe that if they don’t live near the ocean or aren’t in an officially designated “high-risk” zone, they have little to worry about when it comes to flooding.
But the numbers tell a different story—one that challenges assumptions and highlights the importance of preparation, no matter where you live.
The Statistics Behind the Reality
Over 40% of flood insurance claims in the United States come from properties located in low- or moderate-risk zones. In Florida, counties far from the coast have experienced serious flooding caused by heavy rainfall alone.
Climate change is making this problem worse. Extreme rain events are increasing in both frequency and intensity, and they’re not limited to hurricane season. FEMA itself has noted that flood zone maps from just ten years ago may no longer reflect today’s reality.
Hidden Factors That Contribute to Flooding
Many causes of flooding aren’t captured by traditional maps. For example, blocked or poorly maintained urban drainage systems can cause water to accumulate quickly during storms.
New real estate developments can change natural water flow, putting older homes at risk. Rising groundwater levels, saturated soil, and nearby construction can also redirect water in unexpected and damaging ways.
The Risk of False Security
Just because your property isn’t in a “high-risk” area doesn’t mean it’s safe. In fact, many mortgage lenders don’t require flood insurance in these zones, which often leaves homeowners without any coverage at all.
This false sense of security can be financially devastating. Recovering from flood damage without insurance is often far more expensive than simply having a voluntary flood policy—especially in areas where premiums are typically lower.
What You Can Do Now
If you live in a “moderate-risk” area, start by checking your true level of exposure using tools like FEMA’s Flood Map Service Center or FloodFactor.com.
Next, review your homeowners insurance policy. Standard policies usually don’t cover damage caused by external water sources. If you’re not sure, speak with an advisor.
At BetOnYou, we’re here to help you understand your options and build a plan that fits your risk profile and budget.
And remember: most flood insurance policies take 30 days to become active, so the time to act is before the skies turn gray.
