The need for Flood insurance becomes a national wake-up call after a major disaster finds homeowners looking for a safety net to help them rebuild their damaged property. The fact, unfortunately, is that 12% of Americans carry Flood insurance, even lower on the West Coast at 10%. Even if your home is not located in what is considered a flood-hazard zone, you still face the risk of having damage as we have seen time and again. Heavy rains from El Niño, flood surges, storm drain backups, etc. can cause significant damage to property. You won’t be able to look to your Homeowners insurance as flood damage is excluded, which is why Flood insurance is necessary.