99%

of US counties have been impacted by a flooding event. 1

ACT NOW

99%

of US counties have been impacted by a flooding event.1

ACT NOW

Federal flood maps² underestimate the risk of flooding by almost

68%.

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

40%

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

Federal flood maps² underestimate the risk of flooding by almost

68%.

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

40%

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

FLOODING IS THE MOST COMMON AND COSTLY DISASTER IN THE US.14

Are you flood ready?

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

TRUE

FALSE

Correct!

According to the 2023 National Hydrologic Assessment from the National Weather Service, approximately 146 million people are at risk for flooding in their communities this spring.5

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.6

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 nearly twice as many properties may be susceptible to flood damage than previously thought.7

Question 4 of 9
Only about half of the counties in the United States are at risk from flood damage.

TRUE

FALSE

Correct!
In fact, 99% of US counties are impacted by flooding.8
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 isn’t at significant risk. Businesses located outside a high-risk area still face flood risk. In fact, about 40% of flood damage claims come from outside high-risk areas.9
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 isn’t covered under a standard commercial policy, including a Commercial Package Policy (CPP) or a Business Owners Policy (BOP).10
Question 7 of 9
Purchasing flood insurance is more cost-efficient than risking flood damage.

TRUE

FALSE

Correct!

Even if you’re not in a high-risk zone, you need flood insurance. Following Hurricane Harvey, the average NFIP claim payment was $110,000.11

Question 8 of 9
Only 10% of small businesses close after a flood.

TRUE

FALSE

Correct!
In fact, 40% of businesses do not reopen following a disaster, and another 25% fail within one year.12
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’s generally a 30-day waiting period before flood coverage becomes effective under the standard flood insurance policy available through the NFIP. That means you can’t wait until the storm clouds are gathering before buying flood coverage. It’s important to have coverage in place when the flood happens.13
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 US states bordering the large bodies of water are at risk of flooding this year. 

TRUE

FALSE

Correct!

According to the 2023 National Hydrologic Assessment from the National Weather Service, approximately 146 million people are at risk for flooding in their communities this spring.5

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.6

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 nearly twice as many properties may be susceptible to flood damage than previously thought.7

Question 4 of 9

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

TRUE

FALSE

Correct!

In fact, 99% of US counties are impacted by flooding.8

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 isn’t at significant risk. Businesses located outside a high-risk area still face flood risk. In fact, about 40% of flood damage claims come from outside high-risk areas.9

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 isn’t covered under a standard commercial policy, including a Commercial Package Policy (CPP) or a Business Owners Policy (BOP).10

Question 7 of 9

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

TRUE

FALSE

Correct!

Even if you’re not in a high-risk zone, you need flood insurance. Following Hurricane Harvey, the average NFIP claim payment was $110,000.11

Question 8 of 9

Only 10% of small businesses close after a flood.

TRUE

FALSE

Correct!

In fact, 40% of businesses do not reopen following a disaster, and another 25% fail within one year.12

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’s generally a 30-day waiting period before flood coverage becomes effective under the standard flood insurance policy available through the NFIP. That means you can’t wait until the storm clouds are gathering before buying flood coverage. It’s important to have coverage in place when the flood happens.13

Thanks for taking our quiz!

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