99%

of U.S. counties are at risk  
of flooding in 20201

ACT NOW

99%

of U.S. counties are at risk of flooding in 20201

ACT NOW

42%

of FEMA maps do not adequately identify the true level of flood risk.²

25%

of flood insurance claims come from outside high-risk areas.³

is the average waiting period before flood coverage takes effect.⁴

42%

of FEMA maps do not adequately identify the true level of flood risk.²

25%

of flood insurance claims come from outside high-risk areas.³

is the average waiting period before flood coverage takes effect.⁴

FLOODING IS THE MOST COMMON AND COSTLY DISASTER IN THE U.S.

Are you flood ready?

Take our quiz to find out
Take our quiz to find out
Question 1 of 9
Only U.S. states bordering the large bodies of water are at risk of flooding this year. 

TRUE

FALSE

Correct!
According to the 2020 U.S. Spring Outlook from the National Weather Service, one-third of the U.S. could face risk of flooding this spring.⁶
Question 2 of 9
Flood insurance through the NFIP will cover business interruption.

TRUE

FALSE

Correct!
Standard flood insurance through the NFIP has eligibility requirements and numerous exclusions. NFIP specifically excludes financial damages caused by business interruption.⁷
Question 3 of 9
If my business falls outside FEMA’s 100-year floodplain (Special Flood Hazard Area), I don’t need to worry about flooding.

TRUE

FALSE

Correct!
Research shows that FEMA’s 100-year floodplain is not reflective of the current flood risk in the majority of 22,000 mapped communities across the United States.⁸
Question 4 of 9
Only about half of the counties in the United States are at risk from flood damage.

TRUE

FALSE

Correct!
In 2020, about 99% of counties in the U.S. are at risk of impact by flood-related damage from rain-on-snow flooding, erosion, sea-level rising, changing storm patterns and large city development.⁹
Question 5 of 9
If your business operates in a low- to-moderate flood risk area, flood insurance isn’t necessary.

TRUE

FALSE

Correct!
Just because flood insurance isn’t federally required doesn’t mean your business is not at significant risk. Nearly 25% of NFIP flood insurance claims are filed by policy holders outside of high-risk flood areas and account for one-third of federal disaster assistance for flooding.¹⁰
Question 6 of 9
My commercial property insurance includes flood coverage.

TRUE

FALSE

Correct!
Damage from flooding, including flooding generated by hurricane-generated storm surge, typically is not covered under a standard commercial policy, including a Commercial Package Policy (CPP) or a Business Owners Policy (BOP).¹¹
Question 7 of 9
Purchasing flood insurance is more cost-efficient than risking flood damage.

TRUE

FALSE

Correct!
Whether you are in a high-risk zone or not, you may need flood insurance because most homeowners insurance doesn’t cover flood damage. The average cost for an NFIP insurance premium is $700 vs. $43,000 for the average NFIP insurance claim. ¹²
Question 8 of 9
Only 10% of small businesses close after a flood.

TRUE

FALSE

Correct!
In fact, 40% of small businesses permanently close their doors after a flood. Only a few inches of flood water can cause thousands of dollars of damage to a property. ¹³
Question 9 of 9
I can wait until the last minute before a major weather system threatens flooding in my area to purchase flood insurance.

TRUE

FALSE

Correct!
There is generally a 30-day waiting period before your flood coverage becomes effective under the standard flood insurance policy available through the NFIP. That means you cannot wait until the storm clouds are gathering before purchasing flood coverage. It’s important to act prudently to have coverage in place when the flood event happens.¹⁴
Thanks for taking our quiz!
Want to learn more?  
Download our Flood Insurance Fact Sheet.
Want to learn more?  
Download our Flood Insurance Fact Sheet.
DOWNLOAD NOW

FLOODING IS THE MOST COMMON AND COSTLY DISASTER IN THE U.S.

Are you flood ready?

Take our quiz to find out

Question 1 of 9

Only U.S. states bordering the large bodies of water are at risk of flooding this year. 

TRUE

FALSE

Correct!

According to the 2020 U.S. Spring Outlook from the National Weather Service, one-third of the U.S. could face risk of flooding this spring.⁶

Question 2 of 9

Flood insurance through the NFIP will cover business interruption.

TRUE

FALSE

Correct!

Standard flood insurance through the NFIP has eligibility requirements and numerous exclusions. NFIP specifically excludes financial damages caused by business interruption.⁷

Question 3 of 9

If my business falls outside FEMA’s 100-year floodplain (Special Flood Hazard Area), I don’t need to worry about flooding.

TRUE

FALSE

Correct!

Research shows that FEMA’s 100-year floodplain is not reflective of the current flood risk in the majority of 22,000 mapped communities across the United States.⁸

Question 4 of 9

Only about half of the counties in the United States are at risk from flood damage.

TRUE

FALSE

Correct!

In 2020, about 99% of counties in the U.S. are at risk of impact by flood-related damage from rain-on-snow flooding, erosion, sea-level rising, changing storm patterns and large city development.⁹

Question 5 of 9

If your business operates in a low- to-moderate flood risk area, flood insurance isn’t necessary.

TRUE

FALSE

Correct!

Just because flood insurance isn’t federally required doesn’t mean your business is not at significant risk. Nearly 25% of NFIP flood insurance claims are filed by policy holders outside of high-risk flood areas and account for one-third of federal disaster assistance for flooding.¹⁰

Question 6 of 9

My commercial property insurance includes flood coverage.

TRUE

FALSE

Correct!

Damage from flooding, including flooding generated by hurricane-generated storm surge, typically is not covered under a standard commercial policy, including a Commercial Package Policy (CPP) or a Business Owners Policy (BOP).¹¹

Question 7 of 9

Purchasing flood insurance is more cost-efficient than risking flood damage.

TRUE

FALSE

Correct!

Whether you are in a high-risk zone or not, you may need flood insurance because most homeowners insurance doesn’t cover flood damage. The average cost for an NFIP insurance premium is $700 vs. $43,000 for the average NFIP insurance claim. ¹²

Question 8 of 9

Only 10% of small businesses close after a flood.

TRUE

FALSE

Correct!

In fact, 40% of small businesses permanently close their doors after a flood. Only a few inches of flood water can cause thousands of dollars of damage to a property. ¹³

Question 9 of 9

I can wait until the last minute before a major weather system threatens flooding in my area to purchase flood insurance.

TRUE

FALSE

Correct!

There is generally a 30-day waiting period before your flood coverage becomes effective under the standard flood insurance policy available through the NFIP. That means you cannot wait until the storm clouds are gathering before purchasing flood coverage. It’s important to act prudently to have coverage in place when the flood event happens.¹⁴

Thanks for taking our quiz!

Want to learn more?  
Download our Flood Insurance
Fact Sheet.